Steps to Filing a Flood Claim

5/16/2022 (Permalink)

How to Make a Flood Claim

If a storm has caused flooding and water damage in your home in Seaport, MA, and you have insurance, you should file a flood claim as soon as possible. Processing a claim can take a little while, but you should not wait to minimize the damage to your home.

1. Call and Start the Flood Claim Process
One of the first things you should do is call your insurance company and report the storm damage. The person on the phone will let you know what you need to do to begin your insurance claim and prepare for the adjuster's inspection.

2. Start the Cleanup Process
After a large storm, insurance companies are extremely busy because many people are dealing with damage. It may take a few days for the inspection of your property to occur, but you should start cleaning up to prevent further damage and mold.
You can do some things yourself, like open doors and windows to increase ventilation and put towels down on the carpet. However, you should also call flood restoration specialists because they know how to mitigate damage and restore items that do not have to be thrown out.

3. Document Losses for the Inspection
Prepare for the inspection by documenting damage and losses. Take videos and pictures, especially before throwing anything away. The more documentation you have, the better your chances are of being reimbursed.

4. Keep All Receipts Related to Flood Restoration
During the cleanup and restoration process, keep track of all expenses to hand over to your adjuster. Have the restoration company give you an initial estimation, and keep receipts related to the cleanup efforts.
A flood can cause a lot of damage to your home. Whether you have standing water, or your items are wet from the receding waters, you should file a flood claim and do it properly for the best outcome.