What You Need to Know Before Filing a Flood Damage Insurance Claim

Floods can cause devastating damage to homes and properties. Knowing how to navigate the process of filing a flood damage insurance claim can significantly ease the burden. Here, we provide essential information to help you prepare and understand the steps involved in making a successful claim.

Understand your insurance policy

Before disaster strikes, it’s crucial to understand the specifics of your flood damage insurance policy. Familiarize yourself with what is covered and what is not. Policies often have exclusions and limitations that are important to note. Knowing these details ahead of time can prevent surprises when you file a claim.

Review the definitions section of your policy carefully. This section clarifies terms such as “flood damage,” “water damage on floor,” and other key phrases. Understanding these terms helps in accurately describing the damage when you file your claim. If there are terms you don’t understand, contact your insurance agent or a public adjuster for clarification.

Immediate steps after a flood

Immediately after a flood, safety is the top priority. Ensure that everyone in your household is safe and avoid entering floodwaters, as they can contain hazardous materials. Once it is safe to do so, take the following steps:

Document the damage

Use a camera or smartphone to take detailed photos and videos of the flood damage. Document everything from water damage on the floor to structural damage. We’ll go into detail on how to properly collect evidence to support your claim later on in this article.

Prevent further damage

If possible, take steps to prevent further damage to your property. This may include boarding up broken windows or placing tarps over roof leaks. It might also help to get everything as dry as possible to prevent mold growth if it hasn’t already started. Water damage on floors can lead to other problems, so get things clean and dry as quickly as possible.

Notify your insurance company

The next step is to contact your insurance company as soon as possible to inform them of the flood damage. They will provide you with instructions on how to proceed with your claim. This typically involves filling out a claim form and attaching documentation before having an adjuster come to examine the damage in person.

Collecting evidence

Evidence is crucial in supporting your flood damage insurance claim. Detailed documentation of the flood damage may be the difference between a successful claim and a denied one. Here’s a look at how to effectively collect and organize evidence:

Photographs and videos

Capture images and videos from multiple angles to thoroughly document the extent of the damage. Photograph water damage on floors, damaged walls, and any other damage. Be sure to use a high-quality camera with a clean lens, and avoid using dated technology. Most modern cell phone cameras are sufficient for videoing and photographing damage. 

Inventory of damaged items

Create a detailed list of all damaged items, including their make, model, and estimated value. Be as thorough as possible on this step. The insurance company can’t replace something if you don’t include it in your inventory.

Receipts and documentation

Gather receipts, manuals, and any other documentation that can prove the value of the damaged items. Receipts or purchase confirmations might also be in your email, so don’t forget to check there.

Keep all this evidence in a safe place. Consider backing up digital files to the cloud or an external hard drive to ensure they are not lost.

Contacting a public adjuster

Navigating the complexities of a flood damage insurance claim can be overwhelming. A public adjuster can represent your interests and help you get the compensation you deserve for your losses. Here are some reasons to consider hiring a public adjuster:

• Expertise: Public adjusters have experience and knowledge of insurance policies and the claims process. Their expertise can help ensure that you’re taking the proper steps to recoup your losses from the insurance company.
• Negotiation skills: They can negotiate with the insurance company on your behalf to ensure you receive a fair settlement. This provides peace of mind and relieves some of the stress that a flood or other catastrophe can cause.
• Time-saving: Handling a claim can be time-consuming. A public adjuster can manage the process, allowing you to focus on recovery.

Ensure that the public adjuster you hire is licensed and reputable. Check references and reviews to confirm their credibility.

Filing the Claim

When filing your flood damage insurance claim, accuracy and thoroughness are essential. Follow these steps to ensure your claim is properly submitted:

• Complete the claim form: Fill out the claim form provided by your insurance company. Include all requested information and be as detailed as possible. The more information you can provide, the better.
• Submit supporting documents: Attach all the evidence you have collected, such as photographs, videos, and the inventory of damaged items.
• Keep records: Maintain a copy of everything you submit. Keep a log of all communications with your insurance company, including emails and phone calls.

Follow-up

After filing your claim, stay in regular contact with your insurance company. Follow up to check the status of your claim and provide any additional information they may request. Patience and persistence are key during this process.

Your insurance company will send an adjuster to assess the damage. Be present during this inspection to answer any questions and provide additional evidence if needed. After the inspection, the adjuster will prepare a report, which will be used to determine the settlement amount.

Common pitfalls to avoid

Several common pitfalls can hinder the success of your flood damage insurance claim. Being aware of these can help you avoid them:

• Inadequate documentation: Insufficient evidence can lead to your claim being denied or a very low settlement amount. Ensure your documentation is thorough and well-organized to give you the best chance of recouping your losses.
• Delaying the claim: Waiting too long to file your claim can also result in denial. Contact your insurance company as soon as possible after the flood, and don’t delay in filling out the claim form and submitting evidence.
• Accepting low settlements: Do not accept the first settlement offer if it does not cover your damages adequately. Be prepared to negotiate or hire a public adjuster to assist.

Preparing your home for future floods

In addition to understanding the process of filing a flood damage insurance claim, it is wise to take steps to protect your home from future floods. Here are some preventive measures to consider:

Elevate utilities

Elevating your utilities can prevent them from being damaged in the event of a flood. This includes raising electrical panels, wiring, and HVAC systems above the potential flood level.

Install flood vents

Flood vents allow water to flow freely through your foundation, reducing pressure that can cause structural damage. These are particularly useful in flood-prone areas and can help in lowering insurance premiums.

Use flood-resistant materials

When renovating or building, consider using flood-resistant materials for flooring, walls, and insulation. Materials such as tile, concrete, and waterproof insulation can withstand water damage better than traditional materials.

Create a flood emergency plan

Having a flood emergency plan can save lives and property. Your plan should include evacuation routes, a communication strategy, and a list of important documents and items to take if you need to evacuate. Practice this plan regularly with your family to ensure everyone knows what to do.

The role of community resources

Community resources can be invaluable in the aftermath of a flood. Local government agencies and non-profits often assist those affected by natural disasters. Here’s how to leverage these resources:

• Local government agencies: Contact your local emergency management office for information on available resources and assistance programs. They can provide guidance on recovery efforts and support services.
• Non-profit organizations: Organizations like the Red Cross and Salvation Army offer emergency relief, including shelter, food, and financial assistance. Reach out to them for help during the recovery process.
• Community groups: Local community groups and volunteers can provide additional support, from helping with clean-up efforts to offering emotional support. Engage with your community to find out what resources are available.

Contact Hudson Douglas Public Adjusters

Filing a flood damage insurance claim can be a daunting task, but you don’t have to go through it alone. Hudson Douglas Public Adjusters are here to help you navigate the process and ensure you receive the compensation you deserve. Our experienced team will handle everything from documenting the damage to negotiating with your insurance company.

Don’t let flood damage overwhelm you. Contact Hudson Douglas Public Adjusters today for a consultation and take the first step towards restoring your home and peace of mind. Let us advocate for you and secure the best possible outcome for your flood damage insurance claim.