Important Tips to Remember:

Contact Your Insurance Provider:

Give them your personal details, including your name, your policy number along with your email address or telephone number, so that they can reach you easily, just in case they need more information.

Record the Damage:

Take photographs of the damaged area/elements and prepare a list of everything lost in the flood, including the date of purchase of those items and their receipts, if available.

Provide Damage Evidence:

The images and the receipts will then be given to your insurer, on the basis of which they will assess the level of damage to prepare an estimate.

Flood Damage Claim Process

As mentioned earlier, the process to file and navigate flood damage claims is quite different from other kinds of property insurance claims, and involves many intricacies.Therefore, it requires special attention and consideration. If you miss any of your post-damage duties, you may end up losing a part or all of your flood damage claim settlement. Follow these steps to keep your flood damage claim filing process on the right track:

• Check if you have a flood damage insurance policy via NFIP

• Get in touch with your insurance broker or agent and make a request for a certified copy of your flood insurance policy, along with other policies, if any, through which you may file a business or homeowner insurance claim.

• Get at least three independent damage estimates to have an estimate of the actual cost of your property restoration.

• Submit a Notice of Loss via NFIP at the earliest.

• Prepare a Proof of Loss within 60 days. An experienced flood damage claims public adjuster can help you avoid making mistakes while filling in the form that may otherwise hamper your flood damage insurance claim.

• Contact Benito Paul for any questions and concerns related to your flood damage claim.

What Is Not Covered Under Flood Damage Insurance?

As a policy holder, it’s crucial for you to understand first what isn’t covered through an NFIP flood insurance claim. The following types of damage are usually not covered under a flood insurance claim:

• Preventable mildew, moisture, or mold damage

• Part of the property just outside the insured property, including septic tanks, trees, and hot tubs

• Additional living costs, such as temporary accommodation

• Fiscal losses due to business interruption in case of a business interruption claim or
business claim.