Having a flood can be a stressful and difficult time, but knowing how to properly deal with things ahead of time can help relieve some of the stress.
Below are some of the first things you should do in the event of a flood or water damage.
Contact Your Insurance Company
One of the first things that you should do after a flood is contact your insurance company. It is important to file a claim as soon as possible, in order to get the process started. Your insurer may want to set up a time to have an adjuster come by to look at the damage. Make sure you give the insurance company up-to-date information, and a good contact number.
Document the extent of the damage. If possible, take pictures, and lots of them. You will want to document the damage with pictures in case there are any questions that come up later. They don’t have to be professional photographs, even photos with a camera phone will work. Separate your items and make a list of everything you plan to throw away, and will have to replace. Include everything from personal items to carpet.
Move Undamaged Items
Floods and water shift rapidly. If you have undamaged items, it is important to move them to safety as quickly as possible to prevent further damage. Separating the damaged items from the undamaged also allows the claims adjuster to easily assess the damage.
Your insurance agent will provide you with a “proof of loss” form for you to fill out and submit. You will have a certain amount of days to file your official claim. Keep in mind that during mass flooding, it may take longer for your claim to be processed, depending on the number claims that are being submitted at the time.
Having accurate receipts of what you lost can help you to receive you claim money faster. If you do purchase anything as a replacement, be sure to keep the receipt and documentation for potential reimbursement, but try to hold off on expensive purchases until your claim has gone through, to ensure you will be compensated.
Always be in contact with your agent if you have any questions throughout the process, they will be able to answer any questions you may have.