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Fire & Water - Cleanup & Restoration

How To Make an Effective Flood Insurance Claim

10/21/2020 (Permalink)

Completely flooded basement. There is a visible line showing maximum water level higher than 7 feet. Flood damage in Lafayette, LA

When floodwaters unexpectedly come rushing down your street in Lafayette, LA, the likelihood of your home suffering significant destruction virtually assures the need for an experienced water damage restoration service. Would you know what to look for when compiling a list of everything that requires rehabilitation as part of your flood claim?

How To Complete the Insurance Process

To become whole again, take the following steps:

1. Reach Out
Immediately contact your carrier to let them know they should expect an insurance claim.

2. Prepare
Once your space is safe to do so, make a list of everything needing attention and photograph or film all relevant observations.

3. Work With Your Adjuster
The individual handling your claim will need to confirm everything that has been inventoried. Promptly fulfill requests for additional information and never hesitate to ask questions.
You will receive payment and can begin the recovery process once these stages have concluded and a review has been completed.


What To Include in a Flood Claim
It is impossible to receive reimbursement for anything that is undeclared, so know what needs to be assessed before recording your situation.
Intense flooding can warp wooden floors or crack foundations, so keep an eye open for these conditions. Frayed electrical wires should also be on your radar, as repairing compromised energy grids remains mandatory.
Major appliances are prone to ruin. Your air conditioning, water heater and refrigerator must be checked. You may wish to have an expert confirm your suspicion that a replacement is warranted.
Mold is another common post-flood development. When fungal invasions arise, costly removals become necessary. Follow your nose for unusual odors and seek out signs of discoloration on drywall, within basement corners and inhabiting your crawlspace.
Once you have determined what aspects of your residence require servicing, provide comprehensive documentation of your inspection to get the most from your flood claim. The greater your attention to detail, the bigger the check you are eligible to receive.

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