October 21, 2006
Claiming Flood Insurance
I think I’ve written so much about the need to take flood insurance, there are surely some of you out there who have followed my advice. Now for the next step. If your house has suffered damage, how do you go about filing a claim?
Firstly, if you can, try to photograph your home, both inside and outside, showing any damage or flooding. Then, call your insurance agent to report your claim. Your agent will prepare a ‘notice of loss’ form after which, an adjuster will be assigned to assist you.
Next, separate the damaged from the undamaged property. Try to put things in order as much as you can so the insurance adjuster can examine them. Finally, if any of your property has been damaged and could hamper clean up operations, or pose a health hazard, you must dispose it. But don’t forget to make a list of discarded items so you can present it to the adjuster.
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