How to Handle the Flood Insurance Claims Process

Post author:ServiceMaster by Reed
Post published:June 23, 2021
Post category:Blog / Water Damage

Florida, being located near the coast, is no stranger to flooding events. In a matter of moments, a flood can destroy basements, floors and, in severe situations, even entire homes. The National Flood Insurance Program (NFIP) reports that in the United States, floods top the list of natural disasters and that from 2010 to 2014, the average flood claim was close to $42,000.

Flood damage is beyond stressful and the flood insurance claims process can be confusing. Below, ServiceMaster by Reed discusses tips to handle the flood insurance claims process.

Tips for Handling the Flood Insurance Claims Process

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

A list of all damaged items including building materials and furniture
Cause of the flood
Date of the flood
Estimates for cleanup and remediation
Receipts for cleanup, repairs and other related costs
Your contact information or the contact information of the property owner

Flood Damage Policies

Schedule a Flood Damage Restoration Appointment Today

For a fast response following flood damage emergencies, call ServiceMaster by Reed at 954-922-2020. We service residential and commercial properties 24 hours a day, 7 days a week in Miami, Florida and the surrounding areas.