How To Make a Flood Damage Claim

10/23/2020 (Permalink)

Home flooded

Three Steps To File A Flood Claim

If disaster strikes and your home in Santa Ana, CA, suffers damage from a flood, there are ways to recover. Tricky cleanup can be accomplished with the help of storm damage restoration specialists. Following these three steps to file a flood claim with your insurance can help you recover financially so that you can replace items lost beyond repair and accomplish any necessary rebuilding.

1. Contact Your Insurance Provider Immediately
Contact your insurance as soon as possible after a flood and note the specific steps required to file your insurance claim. As soon as everyone is safe and the floodwaters have receded, begin cleaning up what you are able to do on your own. Salvage what you can and begin small repairs. You do not need to wait for an insurance adjuster to visit before making your home safe, but take pictures to document the damage and the process of your restoration.

2. Keep Damaged Items
Keep all damaged items until the adjuster visits. Having these items as proof of loss will help your flood claim. You can remove damaged belongings from your home, but save these items so that the adjuster can document the losses.

3. Report Additional Losses
The adjuster will review your damage and losses, as well as any documentation and photographs you have regarding your cleanup and repairs. As part of this visit, you should have to sign a statement of loss. Be sure to give reliable contact information as well as taking the adjuster's. If you find additional damage and losses after the visit, contact the adjuster to report it as soon as possible.
If your property is damaged in a flood, check with your insurance provider to see if you are covered and then follow the required steps to file your flood claim. If you don't have flood insurance and the flood has been declared a federal disaster, check with FEMA to see if any help is available to you.