Flood insurance claims should be a relied-upon recovery for the policyholders affected, but the truth is that some people end up struggling with flood claims that have been underpaid, delayed, or outright denied in the aftermath.
While many policyholders are tempted to accept less than they deserve for their losses, it’s important to understand that a policyholder can fight back and get real results. If you are having trouble resolving an insurance claim for flood losses, you can reach out to experienced best flood insurance coverage attorneys today.
When the Worst Happens: How to File a Flood Insurance Claim
1. Call your insurance provider to file a claim as soon as you can. You will need to provide your insurer with your policy number, phone number, and email address. They will provide you with a claim number. Make sure to write that information down.
2. Keep good records of anybody you speak to regarding your claim, whether it is your insurer, vendors, etc. Also, make sure to keep receipts of any additional living expenses you incur as a result of the loss (i.e. hotel stays and meal receipts; those are covered expenses within a homeowner’s policy).
3. Unless there have been massive floods in your area affecting many people, an adjuster will generally come to your home within a few days. Ask when you can expect an adjuster to inspect the home, and request the phone number of the adjuster’s supervisor.
jogger. Memory joggers are really only necessary if the home is a total loss, otherwise, there are vendors who can itemize your personal property and provide estimates for it all.
Recovering from a major natural disaster is difficult and takes a lot of time. The steps you take to prepare for the worst can make all the difference when it comes to getting back on your feet. Thankfully you can keep these flood insurance claim tips in mind, should you ever face flood damage.