4 Tips for Making a Flood Insurance Claim

1/27/2020 (Permalink)

4 Tips for Making a Flood Insurance Claim

If your home has been damaged in a flood, then you will need to make a flood claim to help cover the costs of repairs. Addressing the situation in the right way will help you get through the process more easily and with less stress. The following tips may help.

1. Call Right Away

When making a flood claim, it is important to contact your insurance company as soon as you can. Waiting too long to do so can cause your claim to be denied, as many policies require you to make a report within a certain time period. Filing your claim sooner also allows you to get the process started and finished more quickly.

2. Go Over the Details

While you may have read over your policy when you purchased it, you probably haven’t spent much time studying it since then. Look over it carefully so you know what to expect and what is expected of you.

3. Start on Mitigation Quickly

It can take some time for your insurance adjuster to arrive to inspect your house, so don’t feel like you need to wait to start taking care of the damage. In some cases, waiting too long to begin mitigation and allowing the damage to worsen can cause your insurance claim to be denied. To avoid this, contact a cleanup and restoration company to start work right away.

4. Document Any Damage

While you don’t need to wait for your adjuster to begin cleaning up, you should make sure you have evidence of the damage. Take photos of affected areas and belongings and set aside items in a safe location. The restoration company can help with this task before they begin working on repairs.
Filing a flood claim might seem like a complicated process, but keeping a level head and following these steps can make it go more smoothly. If you are uncertain about anything, don’t hesitate to SERVPRO of Champaign-Urbana anytime at (217) 355-0077.

(SB)