How To Navigate Insurance After a Flood
After the initial water cleanup has begun, it's important to place a claim with your insurance company so you can get the ball rolling as soon as possible. The sooner you can get a home adjuster out to assess the damage and file a report, the sooner the cost of repairs will be covered. Here are a few helpful tips on how to navigate the claims process after you have a flood:
Ask The Right Questions Up Front
When you place your initial call after the event, make sure to ask your agent:
- what your deductible is
- whether your damage is covered under your policy
- what the deadline is for filing and how long it
- will take to process the insurance claim
- what receipts or evidence you'll need to provide when filing
Address Immediate Issues to Prevent Further Damage
If cleanup is extensive, call a water damage remediation service in Mercer Island, WA, to remove the water and wet materials and begin drying everything out. It's important to do this right away to prevent avoidable secondary damage — which your home adjuster is sure to note — increasing the likelihood that those damages will not be covered.
Keep Meticulous Records of the Damage
Don't leave anything to chance. Take good photos or videos of every area of damage. Find receipts or research current replacement costs for damaged items and save them so the adjuster can see them during the visit. Get written estimates for repairs and make copies of all written correspondence with your insurance company and contractors.
Know What Happens Next if Your Claim Is Disputed
Don't panic if your insurance disputes some parts of your claim; you can ask for an independent appraisal if the claim department's manager isn't of help. In some cases, the insurance company may offer arbitration to reach an agreement.
Flood insurance is extremely helpful to have, even when it's not required by the government. It can save you a lot of money if the worst happens and your home sustains serious water damage. Your insurance agent and a home adjuster will work with you to see that the best possible outcome is reached, despite the unfortunate circumstances.