How To Handle a Flood Insurance Claim
Flood Insurance Claim
When a storm causes flooding to your Leawood, KS, home, you may want to turn to flood insurance to help pay for some of the repairs. Not all insurance policies will cover flood damage. Before you start a flood claim, you should try to call your provider to find out if this type of damage is covered. Once you know that you can make a claim, follow these steps to make the most of the claims process.
1. Start the Cleanup
Flood damage can be severe. Starting the cleanup as soon as possible can help reduce the damage done to your home. The first thing you should do after a storm passes through is call a storm damage cleanup service. Because your insurance provider will want to know the extent of the damage, you should take pictures and keep records before any repairs are made.
2. Schedule the Adjuster
To start your insurance claim, you need to call your provider. Most companies will send out an adjuster to figure out how much damage the storm caused. Depending on the severity of the storm, you may have to wait a while before the adjuster can make it to your house.
3. Keep Damaged Materials
Did the flooding destroy carpeting or furniture in your home? Keep as much of the damaged items as possible, so your adjuster can see the damage firsthand. If you cannot keep something, at least take a picture.
4. Fill Out Paperwork
A flood claim usually requires a proof of loss statement. Your adjuster will assess all of the damages and create a list. You will then need to sign the proof of loss statement to indicate that you agree with the findings.
If you have a flood insurance policy, making a flood claim after a storm damages your home can help you afford the repairs. Knowing how to make a claim can make the entire cleanup process easier. Your cleanup professional may be able to help you with the claims process too.