Filing an insurance claim for flood damage isn’t as straightforward as it seems. To give you a quick overview, the roofing contractors at Lexington Blue™ walks you through the process below:
Contact Your Insurer
First off, you need to find out if flood damage is covered by your policy. Standard insurance policies wouldn’t normally cover flood damage—you’d need to buy a separate policy for flood insurance. Still, it wouldn’t hurt to ask your insurer the following questions:
- Is flood damage covered, and if so, to what extent?
- How long do you have to file a claim?
- How long does it take to process it?
Prevent Further Flood Damage
If you’re covered by your insurance policy, take the necessary steps to prevent further damage to your home, such as removing furniture and other belongings submerged in your flooded basement. For faster processing later on, make sure to separate your damaged belongings from those that were left intact.
Document Flood Damage
Take pictures of your damaged belongings or make an inventory. The insurer needs documentation to make sure the damage was caused by floods, not any negligence on your part. Make sure to make copies of any document you’ll be giving to your insurer. And don’t forget to save the receipts for purchases involving the temporary repairs—you’ll need these when filing for reimbursement.
On-Site Visit by an Adjuster
Next, your insurer will send an adjuster, who’ll inspect the damage and calculate your insurance payout. The adjuster will be able to do this faster if you can present a list of bids from licensed contractors outlining the siding and construction materials that will be used in the repairs.
If you’re having trouble filing a claim, you can also ask help from a contractor. Some contractors assist their customers with their insurance claims processing.
Lexington Blue, a top-rated contractor in the state, offers a wide range of professional exterior services, including roof replacement services, as well as insurance claims processing assistance services. To get a free quote, you can call us at (859) 368-6346 or leave us a message here. We serve homeowners in Richmond, KY, as well as the surrounding communities.