Tips to Manage Your Flood Insurance Claims Process

There will always be worry, scare, confusion, and even anger whenever a disaster strikes your home. And one of the most devastating things that can ever happen to your home is getting filled with a flood. That’s why the essentiality of flood insurance should never be overlooked. But among the most challenging is how to file your claim.
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In this article, learn some valuable tips to help you handle your situation well if you need to file a flood insurance claim.

What You Must Do
The first and foremost thing you should do is to let your insurance company know about the situation as soon as you can. Contact your insurer and narrate how you’ve suffered a loss due to a flood, and you will file a claim. Think ahead by telling them where they can reach you if you’re unable to stay inside your home. 

About Your Property
It’s always a great thought to stay ahead. When you know your place is prone to natural disasters like floods, take time to create a detailed list of every possession you have within your property. Conduct an assessment from room-to-room to get the inventory of all items such as furniture and equipment. Have a brief description of the things and include their serial or model numbers. 

Post-Flood 
In the aftermath of the flood, the most certain thing one will do is conduct a clean-up. Right after you deem it safe to go to your property, go from room-to-room and see if there’s much damage from the room. It would be best if you immediately separated the damaged from the undamaged ones. After that, make an optimized list of all the damaged personal assets and take a photo of the floodwater in your house.

Agreement With Adjuster
Usually, insurance providers opt to employ an adjuster to help policyholders that endured losses in building the benefits they’re entitled to get under their policy. Working with the claims adjuster is a critical phase in getting your insurance claim since it’s their job to assist you and review your claim.

They will also assess your itemized inventory of damaged assets from the flood. Moreover, they will calculate the value of the lost items based on the list that you give.

Getting an Estimate for Repair or Replacement
Generally, most adjusters used to handle property damage or losses can fulfill their task of estimating simple building losses. You won’t have to worry about the waiting period quickly to finish their estimates and sometimes even on the first call. With that, make sure you have a trusted adviser to work with the adjuster to avoid inconvenience.

Conclusion
With these considerations, there’s no way that the next time that you’ll file for a flood insurance claim won’t go smoothly. It’s best to consult your insurance agent or an insurance expert to specify your concerns and address them immediately.

At American Eagle Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (225) 667-7377 or Click Here to request a free quote.