How do you file a flood claim?

Answer 1

Listed below are the steps on how to file flood insurance effectively.

1. Check your insurance policy – not all insurance policy includes flood damage. Before you inform your insurance agency, it is better to check over your policy to make sure that you are covered for flood damage.

2. Get an anticipated time frame – it is important to ask your agent the expected time frame for that claim. It does not mean that you have a guaranteed date but an idea when the agent will be visiting your home.

3. Document all damage – take pictures of any damaged objects like furniture, clothing, appliances, and other belongings. You can also photograph any structural damage to your home. Make sure that your electrical system is assessed by a professional electrician. Again, do not throw out any items until an insurance adjuster has visited your home.

4. Prepare an inventory of any damaged or lost items – It is also a good idea to keep an inventory of all damaged or lost things. Include the description, value, date of purchase, and any receipts. Your inventory should include: the date and place of purchase, model number, and serial number, detailed description of the items, the original purchase cost, and any receipts you may have retained.