How To Make a Flood Damage Claim

7/11/2019 (Permalink)

Severe storm damage to a home in Prairie Village, KS

How to File a Flood Claim With Your Insurance Company

A severe storm can cause a lot of damage. Trees can fall, debris can wreak havoc and the ground can become saturated quickly. If your home in Prairie Village, KS, floods as the result of a storm, having flood insurance can help cover the cost of storm restoration services. The following tips can help you file a flood claim with your insurance company so that you don't have to pay remediation expenses out of pocket.

Make Important Calls

The first thing you need to do is to call everyone who may need to be involved in resolving the flooding problem:

• Government office in charge of city sewer system
  
• Insurance company
  
• Certified flood cleanup professionals
  
  

When a large portion of your area floods, it can affect the city's sewer lines, and officials need to know if you are experiencing any problems. Notifying your insurance carrier prompts an adjuster to visit your home and analyze the damage listed on your insurance claim. Arranging for technicians to arrive as soon as possible helps you prevent further water damage to your home.

Document Damage

To file a successful flood claim, you need proof of all the damage the flooding causes. Don't wait until your adjuster to arrives to document it. Take pictures and video so that you have evidence of the initial state of your home after the flood. After cleanup technicians arrive and pump the excess water out of your home, take more pictures of the water damage and make an itemized list of all the items that must be restored or replaced. Having information ready when the adjuster arrives can help you make a more detailed claim.
If the area where your home is located floods, you may not be able to avoid water damage. Knowing whom to call and the immediate steps to take can help you file a successful flood claim.