After a Flood

Contacting your insurance company as soon as possible after a flood is essential to ensure a swift and stress-free claims process, maximizing recovery efforts. Here is a step-by-step guide to help you initiate communication with your insurer:

1. Safety First:

Before contacting your insurance company, ensure the safety of yourself and others on the premises. Turn off the electricity and gas supply if possible and evacuate the property if there is any immediate danger.

2. Document the Damage:

Take photos or videos of the damage to provide evidence to your insurance company. Be thorough and capture both the interior and exterior of the property.

3. Report the Claim:

Call your insurance company’s claims department immediately. Provide your policy number, details of the flood, and your contact information. The insurer will assign a claims adjuster to your case.

4. Cooperate with the Claims Adjuster:

The claims adjuster will inspect the property and assess the extent of the damage. Be cooperative and provide all necessary documentation to facilitate the process.

5. File a Proof of Loss:

Once the claims adjuster has completed the inspection, they will provide you with a Proof of Loss form. This document details the damaged items and their estimated replacement cost. Submit this form promptly to your insurance company.

6. Accept the Settlement:

After reviewing the Proof of Loss, your insurance company will determine the amount of your settlement. If you agree with the offer, sign and return the settlement agreement to finalize the claim.

Additional Tips:

* Keep receipts for any expenses related to cleanup or repairs.
* Maintain a record of all communication with your insurance company.
* Contact a licensed contractor for professional assessments or repairs.
* Be aware of potential scams and report any suspicious activity to your insurance company.