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Protecting Your Claim After a Flood Disaster

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High water is just the tip of the iceberg when it comes to the dangers of flooding. Following a flood, your home may be left with damage from chemical contamination, forcing you to throw out personal possessions and food supplies to protect your family’s health. Your home may also be affected by structural damage to the foundation, walls, and utilities, and mold may be slowly growing under your carpets and behind your wallpaper.

To get the most out of your insurance claim and restore your home to its original state, here are some steps you should take.

  1. Always prioritize your safety. If you believe that you are unsafe in your home, seek shelter immediately.
  2. Document the damage. If you notice cracks in your foundation, leaks in your roof, water damage, mold, or other problems that occurred due to flooding, take photos and keep an ongoing list to help you remember what to share with your insurance company.
  3. Contact your insurance provider. Share information regarding damage and, if possible, photographic evidence of the flood. Before investing in any repairs, clear these with your insurance provider to make sure that the company’s protocol is followed. This may improve your chances of receiving your full claim.
  4. Contact an attorney. An attorney can help you make sure that any necessary repairs are considered prior to settling your claim. Your attorney may also be able to assist with any disputes regarding coverage that has been denied and can help estimate the true amount your claim is worth.
  5. Make sure that your property is secured. Board up windows and lock doors to prevent people and animals from gaining entry. Document your efforts to prove that you have done everything in your power to minimize damage to your home. Failing to do so may affect the value of your claim.

In the event of a natural disaster, Wayne Wright LLP can help you return to normalcy. For a consultation, call us toll-free at 1-800-237-3334.

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