Dealing with the aftermath of a flood can be overwhelming, given the damage floods can cause. However, you need to familiarize yourself with the process so you’ll know what to do in case it happens. In this blog, fire restoration company Action Restoration shares an overview of how to settle insurance claims after a house flood.
Once you have made sure that your family is safe, dry and has accommodations, here are some of the first things you need to do:
Contact Your Insurance Provider — Find out if your home insurance covers flood damage. Not all insurance providers have flood coverage, but you can get it as a separate policy from the National Flood Insurance Program (NFIP). Find out from either one how long you have to file a claim, whether your claim would exceed your deductible, and whether you will need estimates for repairs and restoration.
Prepare for the Adjuster’s Visits — Your insurance provider will be sending an adjuster to assess the extent of the damage. You will be required to provide proof of the damaged property, so do not throw out damaged items until after their visit. You can take photos or videos of your damaged property as further documentation.
Repairs and Restoration
Addressing flood damage is, in many ways, similar to dealing with fire damage. Once your insurance provider has approved the repair and restoration work, you will receive a document called Proof of Loss, which you will need to sign and return. You will then receive payment within 5 to 10 business days.
Repairs and restoration can then begin. Our restoration pros will start removing parts of the house that retain moisture, such as carpets, baseboards and drywall. Addressing the moisture problem is important before any construction work can begin; not doing so could result in moisture-related problems such as rot and mold.
At Action Restoration, we understand the urgency of flood repairs, which is why we have a team of restoration experts that can be reached 24/7, and can arrive on-site within a few hours. We also have experience working with representatives from insurance companies and the NFPI, and help make sure our clients have everything they need to minimize delays in claims processing.