File a Flood Damage Claim in 4 Steps

4/16/2018 (Permalink)

Even though you may be overwhelmed by the aftermath of flooding in Asheville, NC you shouldn't hesitate to file a flood claim to cover damage to your home. Make sure that you keep the name of your insurer and policy number on hand during the disaster and are aware of the extent of your coverage.

1. Notify your insurer as soon as possible. Depending on the severity of the flood, it may take insurance companies some time to process claims. It is a good idea to start the insurance claim process, document damage, and take the first steps toward limiting the extent of secondary damage by starting cleanup and remediation as soon as you can.

2. Document all flood damage. Take photographs of all damaged property, structural damage, and standing water. You should also make a complete list of damaged and lost items that includes dates of purchase, values, and any receipts you can find. Once you have documented the damage for your flood claim, you may dispose of affected and ruined items so that they do not pose a mold hazard.

3. Talk to an adjuster about your claim. An adjuster will contact you after you file your claim to discuss the damage and your coverage and help you prepare a sworn statement of the amount of damages you are claiming accompanied by supporting documentation.

4. File Proof of Loss within 60 days. File Proof of Loss documentation with your insurance companies within two months of a flood. The National Flood Insurance Program and insurance companies can only make payments once Proof of Loss is on file.

Maintain a reliable method of contact such as a cell phone number or email address so that an adjuster can contact you regarding the status of your flood claim. Depending on the extent of damage to your home, you may also want to contact a residential damage restoration service.

Visit http://www.SERVPROashevilleeast.com for more information on storm damage.