How Does One File a Flood Claim Safely and Accurately?

7/20/2022 (Permalink)

Complete your flood claim as thoroughly as possible

If your house in Zachary, LA, ever becomes flooded, you need to complete your flood claim as thoroughly as possible. Taking proper stock of the damage your home has suffered means an insurer is less likely to issue a denial.

Staying Safe

When conducting your assessment, it’s crucial that you minimize danger:

Always wear protection such as respirators, knee-high boots, and rubber gloves. You never want to risk exposing yourself to mold caused by the flooding.
Beware of potential electrical damage. Use only battery-powered sources for illumination to avert a nasty shock.
As much as possible, avoid entering floodwater. It may have become contaminated with gasoline or raw sewage.
Keep an eye out for critters. Snakes or insects might have washed into your home, so beware.

Remember that remaining out of harm’s way always comes first.

Making Your Claim
First, notify your insurer to begin the flood claim process. Next, take stock of the damage. This is the most important aspect of your insurance claim, as you need proof behind every piece of observable devastation. Maintain a detailed inventory of everything and take extensive photos. Never throw anything away, just in case you need to provide evidence.
Deploy action before an adjuster gets in touch; you can significantly speed up the claims process by handling matters ahead of time. Arrange your home so the adjuster may easily view every element of destruction. Also, post your contact information in a clearly visible spot so the adjuster can get in touch if questions arise. Once you have completed a Proof of Loss and received payment, you will then be free to reach out to a home repair expert that can return your residence to its previous state, making it look "Like it never even happened."
Inventorying a flood claim can be a challenge, but keep in mind that handling the matter properly means safety as well as proper compensation for any costs you have unfortunately incurred.