Dealing with flood damage can be a hassle, especially when encountering problems while filing your claim. Whether the flooding resulted from a storm, a rising river, or a broken levee, having a clear process in place can significantly smooth your flood insurance claim process. Boss Insurance Agency serving Kingwood, TX, can assist you. Plan now to be prepared.
Begin With Documentation
Once it’s safe to return to your home, start taking photos and videos of all visible areas that have been affected. Keep in mind there may be water damage behind walls where you can’t see, so you should get an inspector in there to help document everything. Be thorough—show the water line on walls, soaked furniture, damaged flooring, and any debris left behind—and this is important—don’t throw anything away until the insurance adjuster has seen it, unless it poses a health hazard.
Write down the date of the flood and make a list of damaged items, including their estimated value, age, and original purchase location if possible. The more detailed your records, the stronger your claim will be.
Retain All Repair-Related Records
Hold on to every receipt—from hotel stays to cleanup supplies and contractor estimates. If you need to hire emergency services for water removal or mold prevention, keep that paperwork too. These costs may be eligible for reimbursement, depending on your policy.
Cooperate With Your Adjuster
When the insurance adjuster arrives, walk through the damage with them. Point out all affected areas and provide your documentation. Answer questions honestly and thoroughly. If something is missed, politely follow up and ensure it is noted.
Filing a flood insurance claim isn’t just about reporting loss—it’s about proving it. The more organized and prepared you are, the better chance you have of a smooth claims process. Being proactive can help you recover more quickly and prevent unnecessary setbacks. Connect with Boss Insurance Agency serving Kingwood, TX at any time for assistance with this.
