Making A Flood Claim

5/15/2020 (Permalink)

Flooding can cause a loss of or damage to your home in Delray Beach, FL and you may need to make a claim with your insurance company. Here are some steps that you should take when you have a flood claim. 

Notify Your Company 

After a loss, the first thing that you should do is notify your insurance company. Many insurance carriers have an after-hours toll-free number that you can call. Make sure you call promptly so that the insurance company has an opportunity to come out and inspect your property. 

Secure the Property 

Before a representative arrives, take steps to protect the property from further damage. These can include the following: 

• Board up any windows or doors that may be missing or open.
• If there are any holes in the roof, make sure you get them taped.
• Prevent people from coming in and possibly getting injured. 

Find Temporary Housing To Live In 

During the flood claim and the repair process, you may be displaced from your property. Look for an apartment, a condominium, or another residence that you're going to be comfortable in for the duration of the repairs. 

Prepare an Accurate Inventory 

Make a detailed inventory of the personal property that was damaged by the flood so that you can discuss its restoration with water damage repair specialists. This includes going through each room and listing the items that were in those rooms along with the description of the items, their age, and what it would cost to replace them at today's prices. 

Hire Professionals 

Finally, if it's a large claim or you're feeling overwhelmed, there may be assistance out there that can help guide you through an insurance claim. Locate a licensed public adjuster in Delray Beach, FL and he or she may be able to work on your claim on your behalf. This professional may negotiate with your insurance company take care of any red tape. 

A flood insurance policy is often very specific about what it covers. Understanding your policy details if you have a property loss can be a challenge, but these tips can help you achieve a successful flood claim settlement