How to File a Flood Insurance Claim

12/8/2021 (Permalink)

Steps To Filling a Flood Claim

The rain stopped, but the water level continued to rise. Flooding in Melbourne, FL, will always be a problem. The water ruined furniture, the carpet and seeped into the drywall. The house is in disrepair. You have flood insurance but are not sure how to file a claim. The steps listed below will get you on the right path to filing a flood claim and start the much-needed repairs on your home.

1. Report

Call your insurance agent immediately. Make sure to have on hand the following information:

• Name of the insurance company or agent
• Policy number
• Telephone number or email address to reach you at all times

An adjuster should contact you within 24 to 48 hours to schedule an appointment. Call your insurance agent if you do not hear from someone.

2. Document

The adjuster will want to see all the damage to the home. Separate the damaged items from the undamaged so that the adjuster will be able to find the best evidence. Take pictures of everything ruined, including walls, carpets, furniture and other items. Make a list of everything adding dates of purchase and value. Find receipts if possible.

3. Support

Complete a Proof of Loss statement. The Proof of Loss is the official document confirming that the amounts you claim are accurate. It should also include additional details or supporting documents you believe are relevant to the claim. File the Proof of Loss statement within 60 days of the flood. The National Flood Insurance Program and insurance company require this paperwork before making payment.
Filing an insurance claim after a flood can be both time consuming and stressful. The damage it takes on your pocketbook is another issue you would rather not worry over. Knowing the ins and outs of filing a flood claim can mean a faster way to get your money. A storm damage restoration specialist can make the process of filling out a flood claim a little easier.