Filing A Flood Claim

7/16/2020 (Permalink)

A flood can cause serious damage to your Bellingham, MA residential or commercial property. You should file a claim for flood damage as soon as possible. Check your policy to determine how much coverage you have for flooding and then follow these three steps to file a flood claim.

Document Damage

The first step toward filing an insurance claim is to document the extent of the damage. Capture photographic or video proof of standing water as well as damaged building materials and contents. While you should take timely steps to mitigate primary damage and limit the extent of secondary damage, you must capture the condition of the affected areas of your home beforehand. Also, gather and prepare to provide information such as dates of purchase, item values, and any receipts for major possessions that you can find. You may dispose of damaged items after thoroughly documenting the damage.

Notify Your Insurer and Talk to an Adjuster

Secondly, notify your insurer of the property damage and file a flood claim. It is a good idea to file this claim as soon as possible, as it may take some time for your insurer to get around to processing your claim if the flood that has affected your home is widespread. An adjuster will contact you to discuss your coverage and help you prepare a sworn statement regarding the amount of damages supported by documentation.

File Proof of Loss Within 60 Days

Lastly, file proof of loss documentation with an insurance company within two months of a flood. Payouts can only be processed once Proof of Loss is on file.

These are the three major steps to file a flood claim. You should maintain a reliable method of contact such as a cell phone number. Once the damage has been properly documented call the experts at SERVPRO of Framingham, (508) 370-4400. We will make it, "Like it never even happened."