Written by Pankil

July 26, 2022

How to Start a Flood Insurance Claim

How to Start a Flood Insurance Claim

If your property has flooded, report the loss to your insurance agent or company immediately. You will want to start a flood insurance claim as soon as you can. Certainly, flood waters will damage your neighbors’ property and that of many others.

Therefore, many property owners will file flood water damage claims with their carriers. As a result, you will want to start the claim process for your claim ASAP.

After you file a claim, the insurer will assign an insurance adjuster to work with you throughout the claims process. Hopefully, that will happen a day or two after you file your claim.

The adjuster will contact you to set up a time to inspect your property within a few days.

What Should You Do Before the Adjuster Comes to Your House?

Take pictures.

Take a lot of pictures (and video).

When it’s safe, you can get back to your home. Take as many photos and videos as possible of the damage the flood did to your property.

This includes carpeting, furniture, walls, clothing, etc.

Remember, if you must throw out damaged property before the adjuster inspects your home, take pictures of that property.

In addition, for appliances and electronics, take photos of the make, model, and serial number to share with your adjuster.

Of course, immediately throw away damaged items that pose a health risk, such as perishable food items, clothing, cushions, pillows, etc. After taking their picture.

As much as possible, your photos and videos should document the structural damage; standing floodwater levels (both inside and outside). You will want to include them when you file a claim and your proof of loss.

The claim adjuster will need evidence of the flood damage to your home and possessions to give you a repair estimate.

When the insurance adjuster comes, ask to see their Flood Control Number (FCN) card and other official identification. When you receive the adjuster’s written estimate and report, review it for accuracy and make sure it’s complete.

Good News: You Can get an Advance Payment

When reporting the claim, ask about getting an advance payment to help you recover. For instance, you may have to stay in a hotel for a few days (or weeks) until you can return home. If so, you will eat your meals at restaurants.

Likewise, if the flood damages clothing, you’ll have to buy new clothing.

The hotel you stay at may be an additional five miles away from your job. That’s 10 extra miles a day you’ll be driving. If you’re out of your house for a month, that’s 300 extra miles you drove.

Therefore, keep track of your mileage.

Also, note that advance payments are deducted from the final claim payment.

Importantly, note it is your responsibility to do all you can to prevent the growth and spread of mold. Insurance companies will not cover mold damage if a policyholder fails to take action to prevent the growth and spread of mold.

However, sometimes, it’s just not possible for the homeowner to get to the property to clean up and avoid a mold outbreak. Consequently, mold damage may be covered when a government official has banned entrance into the area because of downed trees, downed power lines, etc.

Additionally, if floodwaters remain around the home or in the area which prevents homeowners from getting to their homes for a period, the insurance companies may cover additional flood damages.

Do You Have Flood Insurance?

Standard homeowners’ insurance policies do not cover water damages from floods. Rather, people who live in flood-prone areas must purchase flood insurance through the National Flood Insurance Program (NFIP). The Federal Emergency Management Administration (FEMA) runs the NFIP.

Therefore, if you live in a flood-prone area, apply for FEMA flood insurance so that they can reimburse you for covered flood damage. Whether a flood or simply heavy rain caused water damage to a home can be a mystery to homeowners. A good public adjuster can help a homeowner answer that question.

If You Need a Public Adjuster to Start a Flood Insurance Claim, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

If a flood causes water damage in your home, call AllCity Adjusting. We can help you get the money you deserve.

Lastly, if you have received a low-ball offer from the homeowners’ or renters’ insurance company, or they are taking too long to process your claim or you just want to talk to someone on your side, call us at 844.692.3587. Or you can email us at info@allcityadhjusting.com.

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At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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How to Handle a Commercial Large Loss Restoration

If water, fire or a storm has severely damaged your business, you need help. Dealing with a large-scale catastrophe by yourself is not the way to go. Filing a commercial large loss restoration claim will take time, effort and patience.
Therefore, you should hire a public adjuster so that your insurance company pays you every dollar to which you are entitled.
You will also need a restoration company to immediately respond to your business. In fact, most good ones are available 24 hours a day, seven days a week. In addition, they will make an emergency response to begin the restoration process.
There are several procedures restoration services companies go through when responding to a commercial property damage incident.

Problems Homeowners Have After Filing an Insurance Claim

Problems Homeowners Have After Filing an Insurance Claim

Unfortunately, fires, hurricanes, or other natural disasters can do serious damage to a home. Certainly, most people have homeowners’ insurance in case of property damage. Of course, they will file an insurance claim under their home insurance policy. However, often there are problems homeowners have after filing an insurance claim.

Fire Damage Insurance Claim Is Denied

Fire Damage Insurance Claim Is Denied

Of course, having a fire in your home can be terrifying for the homeowners and their families. The amount of damage to the property insured, personal property lost and the seeing soot, smoke, and burned walls will traumatize the entire family. Certainly, as the property owner, you will file a fire insurance claim with your homeowners’ insurance company. However, what do you do if all or part of your fire damage insurance claim is denied?

Deal with Home Insurance Claim Adjusters

If a storm, fire or other natural disaster damages your home, you first want to make sure everyone in your family is safe. After that, you will survey the damage. If it is more than very minor, you will probably file a homeowners’ insurance claim. Therefore, it will be helpful to know how to deal with a home insurance claims adjuster.You should file an insurance claim as soon as possible to start the claims process. Certainly, the sooner you file a claim, the sooner you can get your insurance settlement.After you file a claim, an adjuster working for the insurance company will come to inspect the damage to your home. Insurance claim adjusters may work directly for the insurance company. Or they may be independent adjusters.However, don’t be fooled. Independent adjusters only work for insurance companies as independent contractors.As such, they are looking to settle your claim quickly and cheaply. Insurance companies are not in the business of simply paying money to insureds. Consequently, company and independent adjusters know that and act accordingly. The insurance adjuster evaluates your property, collects evidence on the extent of the damage and rules on your claim.

Understanding the Insurance Claims Process

Understanding the Insurance Claims Process

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

Estimating Fire Damage and Restoration Costs

Estimating Fire Damage and Restoration Costs

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

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