How To File a Flood Claim
When a storm floods your home in Colorado Springs, CO, a good flood policy may cover at least part of the cost of the repairs. To get the most out of your coverage, however, you must know how to file a flood claim correctly. Here are some tips to help ensure that you give your provider all the information needed to analyze your case.
As soon as you know that damage has occurred, your insurance company needs to know it, too. One of the first calls you should make after the storm passes is to your provider. Before you make the call, gather the basic information needed to start an insurance claim:
- Your policy number
- Date the damage occurred
- General extent of the damage
The company usually sends an adjuster out to survey your home and make note of the damage. Adjusters conduct a walkthrough of the property to see firsthand what needs to be repaired.
Your insurance company may require proof of damage before a payout can be made. You should be prepared to back up your flood claim with pictures or video of the damage to your home. Additionally, it's a good idea to make a list of all the items that will need to be replaced and approximately how much it will cost to do so.
Coordinate With Mitigation Team
The water damage remediation specialists whom you hire to repair your home can also provide valuable information for your claim. After the initial assessment, they provide a list of tasks they must complete and an estimate for the final bill. They can also keep you and your provider informed about the cost of necessary repairs throughout the cleanup process.
Filing a flood claim doesn't have to be difficult. If you keep your insurance company informed and document the damage well, you are more likely to get the payout you need.