Flood Insurance Claim Do’s and Don’ts
- Report the claim as soon as possible. Don’t hesitate. The sooner you report the claim the sooner the insurance
company can see the damage.
- Timely file a Proof of Loss. Failure to timely file a proof of loss and supporting documentation could prevent you
from recovering for your flood damage. Check your flood insurance policy which could allow 60 days from the
date of the flood to file your proof of loss with supporting documentation.
- Document the loss and interactions with the insurance company. Thoroughly document the loss in writing and
with photographs. Take time-stamped photos and video of your flood damage to show the insurance company.
Document and record any communication with the insurance company including dates, names, and phone
numbers you contacted.
- Provide accurate information. The better records you keep the less work the adjuster has to do when
evaluating and valuing your loss. The more you can provide the better. Be sure to tell the adjuster that any
damage you identify is only the damage you have noticed, and there may be other damage.
- Get your own estimates. Get additional estimates from local trusted contractors regarding the amount it will
cost to repair your home to pre-storm condition. Ask for help. The flood insurance claim process can be
confusing. If you have questions or concerns about the flood insurance claim process or decisions made by the
insurance company, seek help to be sure you get a fair evaluation.
- Do not throw away damaged items. Do not throw away a damaged item until the adjuster has seen it or you
have thoroughly documented the damage to the item. Generally, proof of damage will be necessary for
reimbursement of covered items.
- Do not prematurely make permanent repairs. Do not begin repairs until the adjuster has seen the damage. If
you must make temporary repairs, that is okay as you have to prevent further damage. However, you must
document the damage as best you can prior to starting any repairs, even if only to prevent further damage.
- Do not rely solely on the adjuster. Ultimately, you are the decision maker and you must stay involved in the
process. Do not rely on someone else to determine how much damage you have and how much your damage is
worth. Do your homework! Get help from experienced contractors and professionals!
- Do not get discouraged. The insurance claim process if not fun, it is confusing, and it can be downright
frustrating. Do not give up! That is what they want is for you to walk away. If you are struggling, seek advice
and get help from someone you trust.