How To File a Flood Damage Claim After the Disaster

2/11/2021 (Permalink)

Flood damage in Salt Lake City, UT.

If your home in Salt Lake City, UT, was flooded by a natural cause or disaster, it’s time to file a flood claim. This can help you get the funding you need to recover from the damage. However, filing an insurance claim can be confusing. Here are three things you can do to successfully make a claim.

Three Things To Do To Make a Claim

1. Start the Process

The first thing you can do is notify your insurance agency of the flood. Do this as quickly as possible so that an adjuster can contact you within the next few days. You can discuss what action to take and what you should be doing on your end while you wait. Be sure to have the name of your insurance, the policy number, and your phone number ready.

2. Document Everything

Next, photograph the damage. It’s important to document everything that was damaged during the flood so that you have evidence of what losses you suffered. Take pictures and videos of your entire home. You can also make a list of damaged or lost items and use that in your flood claim. Don’t forget to place damaged items outside to prevent mold growth within the house.

3. Back Up Your Claim With a Proof of Loss

With the help of your adjuster, you can create a Proof of Loss to prove that you are claiming the correct amount of money. This contains specific details concerning the damage from the flood and must be filed within 60 days of the disaster. Once you and your insurance company agree on the amount, the claim payment should come.

Insurance can be beneficial when dealing with the water restoration process, and filing a flood claim doesn’t have to be complicated. By carefully and concisely compiling evidence and keeping in touch with your insurance company, you can file the claim and receive payment. Keep in contact with your insurance company to find out how you can best receive the help you need.