Filing Your Flood Damage Insurance Claim

A flood can be a homeowners worst nightmare, especially if it engulfs almost the entire house like many of the homes that were made uninhabitable by Hurricane Katrina a few years ago.

In case you ever have to face this catastrophe, here are a few tips on how to deal with it and file the insurance claim. Depending on the amount of water damage to your home, it may be salvageable and it may not, but the first step is getting your claim filed.

The first thing you should do after the water has been cleared from your home, call your insurance agent or company as soon as you can.

If you can, have your name, policy number, and a phone number or e-mail address that you can be reached at handy when you call. This will speed up the process more than you think.

When you are filing your claim, request a time frame for when your adjuster will be sent to your home. Try to be patient, especially if you live in an area that has withstood extensive damage due to a river flowing over its banks or a dam that has burst. The water damage to your home depends upon just how high the water rose in and around it.

Once the adjuster has become available and is able to reach you and your home.

He or she will help you determine just how much they are willing and able to compensate you for the loss of your property and help determine just how extensive the water damage is.

If your contact information changes in any way, let your insurance adjuster know as soon as possible. If you are in a shelter of some kind or staying with a relative or friend, give your adjuster the name of someone who has the ability to reach you.

If you can not get home, it is best to make a list of as many items as you can think of that may need to be replaced or repaired in your home.

Computers, television sets, clothing, expensive electronic equipment, books, and etcetera should be listed here. List anything of value that could have been water damaged or lost.

If you can return home, you should separate the damaged items from the undamaged items and take pictures of your property to give the adjuster a good idea of the kind of loss you have endured.

Even if this event has never happened to you or if you are not expecting any water damage like this to your home any time soon (and who really is), one of the best things that you can do for your home is to take a video every year of your home and its contents. Put this video in a waterproof (and fireproof) safe in case the unthinkable ever happens