The Process of Making an Insurance Claim After a Flood

7/22/2018 (Permalink)

A flood claim is an essential part of your recovery and cleanup process following an incident of this magnitude.

It’s never enjoyable to be on the wrong end of a flood at home. At the very least, these incidents are annoying, take up a lot of your time and cause some stress. In more serious situations, floods can cause extensive damage and may even destroy portions of your home and possessions. As soon as flooding occurs in your Billings, MT, home, you should contact your insurance company and make a flood claim. This will get the ball rolling on providing the cleanup and financial assistance you need.

Get Information Together

Regardless of the size of the flood, if there is any damage, you should file an insurance claim. Before you call your insurance representative, gather relevant documentation and information. These include:

• Insurance company name
• Policy number
• Your contact information (This is important because you may not be at your home during and after the incident, so you need to provide the agent with a phone number where you can be reached anytime.)

Make Note of the Damage

Your insurance company will need evidence that the flood in your home damaged property and possessions. First, start by taking photographs of anything and everything the flood damaged. This includes walls, floors, furniture, books, electronics and any parts of the home’s structure. Your flood claim should also include items that you may have lost in the flood. Keep in mind, the insurance company will likely only replace the items if you document value and date of purchase.

Fill Out the Necessary Forms

Your insurance company will ask you to fill out a Proof of Loss document. Make sure you do this as quickly after the flood as possible.

A flood claim is an essential part of your recovery and cleanup process following an incident of this magnitude. You don’t have to handle the aftermath of this disaster on your own. It will go more smoothly if you understand the claims process. For more information, visit http://www.SERVPRObillings.com/.