Tips When Making a Flood Damage Claim

6/21/2022 (Permalink)

Flood damage in a home in Galena Park, TX.

When Filing a Flood Damage Claim, Here Are Some Pointers to Keep in Mind

If you are suffering from devastating flood damage in your home, the whole ordeal can seem overwhelming. To ease the pain after such a storm, it is important to learn as much as possible about the claims process.

1. Be Prepared to Leave the Premises
If the entire home has been compromised with flood water, it is best to leave the house until an expert can inspect it thoroughly. If you can safely reach the electrical and gas service units, make sure the power is turned off.

2. Call Your Insurance Agent to File a Flood Claim
It is important to become familiar with your insurance policy so that you know the extent of your coverage. Flood damage isn't covered under your general homeowner's insurance policy, so you need to have a separate flood insurance policy. Floor insurance must be purchased through the Federal Emergency Management Agency, also known as FEMA.
To make the insurance claim, contact your agent as soon as possible. They will send out an adjuster to inspect your home and determine how much it will cost to renovate your home and replace the damaged belongings.
Your insurance adjuster in Galena Park, TX, will need a list of all furnishings, structures and personal items that have been damaged or destroyed. It will speed up the flood claim process if you make a detailed inventory of everything lost. Take as many pictures as you can.

3. Contact a Water Damage Restoration Professional
It is critical to address the water problem as quickly as possible to reduce the risk of further damage. Choose a storm damage cleanup company that is experienced in handling water damage and mold. They will inspect the damage and work quickly to mitigate the situation. It is best to contact a professional even before the flood claim has been processed.
Take some of the pain out of the flood damage claim process with some helpful tips.