How To Make a Flood Claim?
Floods can cause devastating damage to homes. The first step to restoring your property after a flood is to file a flood claim.
How To File a Flood Insurance Claim
Filling your claim for flood damage is a multi-step process:
1. Contact the Insurance Company
The first thing you must do is contact your insurance company. Most homeowners insurance does not cover flood damage so your flood insurance may be with a different insurance company than your homeowner's insurance. If you aren't sure who your insurance carrier is, you can call the National Flood Insurance Program Call Center at 1-800-427-4661 to find out.
2. Provide Information
Your insurance company will need several pieces of information. This may include your policy number, a phone number and email address where your insurance company can contact you and the name of your mortgage company if you have one. If you don't know all of this information, your insurance or claims agent may be able to look it up for you.
3. Document Your Damage
It usually takes 24-48 hours for your insurance company to assign an adjuster to your claim. However, if flooding is widespread, it may take longer. While you are waiting, take photos and videos of your damaged property and the flood lines on the outside and inside of structures. Photograph the make, model and serial number of electronics and appliances. Do not enter flooded areas or structures until you have been told they are safe.
4. Discard Flood Damaged Items That Are Unsafe
After you take photos and keep samples of materials such as pieces of carpet, flooring, drapes or wallpaper, throw away flood-damaged items that are unsafe to keep, such as perishable food, cushions, clothing and pillows.
5. Contact Repair Services
If the electrical, HVAC or water systems of your home are damaged, contact repair services. However, talk to your insurance company about your flood claim before you sign any contracts. This is also a good time to schedule a flood remediation company in Park City, UT, to begin drying and cleaning your damaged home.
6. Meet With the Adjuster
When the insurance adjuster arrives, ask to see the adjuster's Flood Control Number card and other official identification. This protects you against scammers who may be posing as insurance adjusters. Review the adjuster's written report and estimate for any errors. A legitimate insurance adjuster will not ask you to pay your deductible, charge you a fee or ask for money for any other reason.
7. Receive Payment and Begin Repairs
Once the insurance company receives the adjuster's report and estimate, it will review the report, along with any documentation you have provided, to establish the value of your claim. If you disagree with the value the insurance company determines, you may need to submit additional supporting documentation to prove your claim. Once a settlement is reached, the insurance company will issue you a check and you can use the money to make repairs.
The flood claim process can be lengthy, particularly if there are many people in your area with damaged property. The faster you get the process started, the sooner you can expect to receive payment.