Flooding can happen almost anywhere and at any time. Sometimes flooding is mild, and other times the consequences can be devastating. A common and damaging belief about flood damage is that standard homeowners or commercial insurance policies will cover it. Unfortunately, this is just not accurate, and you will need to purchase a separate flood insurance policy. Our experts on property claims in Orlando, FL, suggest the following tips for beginning your flood damage claim:
Call your insurance company right away
If your home, apartment, or business has suffered damages due to flooding, it is in your best interest to call your insurer immediately to begin the claims process. In addition, if you are in an area that has experienced a catastrophic flooding event, file the flood damage claim with your homeowner’s or commercial insurance policy immediately, regardless of whether you have flood coverage. This is beneficial in cases where flooded areas are declared federal disaster zones. You will need claim rejection proof to be eligible for FEMA assistance.
You should document any damages and losses to your property with photos or video to provide to your insurer. Be sure to include any damage to the interior and exterior of your property. In addition, always keep a copy of the documentation for your records.
Your insurance policy requires you to make temporary repairs to your property to prevent further damages when it is safe to do so. For example, if you have broken doors or windows, you should board them to prevent looting. If you are unsure about the steps you need to take, contact your insurer to find out what you need to do to stay within your policy requirements. Do not forget to keep any invoices or receipts from temporary repairs so your insurance company can reimburse you for them later.
You should begin a loss inventory that lists all of your damaged or lost property, when you purchased it, the price you paid, and its condition before the loss. It is always helpful to have a detailed inventory of your property before a disaster occurs so you do not forget things insurance should reimburse for you. Never throw away damaged items before the insurance claims adjuster verifies your loss and damages. Doing so may result in not being compensated for those items or, worse yet, claim denial.
Your insurance company will send an adjuster to your property to verify that the loss is covered under your policy and determine the money owed to you. You must walk through the property with them to ensure they understand the scope of your damages. This will allow you to ask any questions you have and understand precisely what they need from you to process the claim. In addition, it is helpful to have them provide further instructions in writing, so you clearly understand expectations and requirements.
Follow these vital tips for getting your flood damage claim started. If you are struggling with property claims in Orlando, FL, consider hiring a public adjuster to help you through the process. Our experts have the experience and expertise to guide you through the process, provide ample proof of loss, negotiate with your insurer on your behalf, and secure the most comprehensive claim settlement possible according to your policy limitations. Contact us today!