How to Handle the Flood Insurance Claims Process

Flood Insurance Claim Tips

• Review your coverage in your homeowners or renters insurance policy. If the original document was lost or damaged by the flood, your insurance provider can supply a copy. Check the declarations page for the coverage, exclusions, limitations and the filing deadlines. 
• Call your insurance company immediately to start the claims process. 
• Document the damage by taking photos or videos before beginning any cleanup or restoration work, since these will be needed by the claims adjuster. 
• Contact ServiceMaster by Reed for inspection and assessment of the area, for an estimate of the cost of mitigation, and to start the restoration and cleanup process. We will perform water removal, structural drying and other procedures as needed. 
• Do not discard any water-damaged item, as the claims adjuster may have to examine items during the claims inspection.
• Take note of the following information for your claim:

• Keep a detailed record of all interactions with the insurance company during the flood insurance claim process. Log phone conversations, complete with the date and time, the name of the person interacted with and a description of the conversation. Also keep a copy of all written communication with your insurance provider, which includes printed copies of emails and other digital communication.

Flood Damage Policies

• Basic homeowners insurance does not cover flood damage, so if you live in a flood-prone area, it would be for your best benefit to secure a separate policy for floods.
• It may take longer to receive your claim check if you're a victim of a major or catastrophic flood event. 

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