If you have flood insurance and recently experienced water damage due to flooding in your home, you will need to file a claim. Following the correct procedure can offer you the best chances of getting the compensation you deserve, so use the following tips to learn how to file a flood insurance claim.
Call your flood insurance agent right away, and be sure to have your insurance company's name, policy number and contact information ready. If you cannot stay in your home due to the extent of the damage, be sure to include a way for you to be reached away from the house, such as a cell phone, shelter, or hotel phone number.
Make an appointment for an insurance adjuster to come look at the flood damage. It should be done as soon as possible so that you can begin replacing and repairing the damaged items.
Move any undamaged personal items away from the water to ensure that they do not get wet. This can also help keep the area organized so that the flood insurance adjuster can quickly see what has been destroyed.
ake pictures of the flooded areas of the home, as well as any items that got wet. Include pictures of items that you plan on throwing away so that you can be compensated for them. If your carpet is damaged and you need to throw it out, cut a swatch from it so that you have an example of the damage that a photo might not reflect.
Make a list of items that were damaged due to the water. Include the name of each product, price, and date and location of the purchase. If you are not sure of the exact information, either try to find receipts or estimate facts like pricing.
Show the flood insurance adjuster any damage estimates that you may have gotten from a contractor, since these will help in getting the correct compensation to repair the damage.
Obtain a Proof of Loss form from the adjuster, which will serve as your certified flood insurance claim for damages. This form is required for the National Flood Insurance Program to pay your claim, and you must file it with your insurance company no more than 60 days after the flood.
Tell your adjuster if you need at least some of the payment in advance so that you can replace necessities that were lost in the flood. If you have accurate records of what you lost, you are likely to get some money ahead of time. You can also repair or replace items first, and then show the receipts to the adjuster. Permanent or expensive repairs should wait until the flood insurance claim is finished to ensure their costs will be compensated.
Sign and give your Proof of Loss form to your flood insurance company once you come to an agreement on the payment to be made.
Keep in touch with your flood insurance agent until the process is complete so that questions can be answered quickly.
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