EMERGENCY TEAM AVAILABLE 24/7 | CALL: 863-583-5800 | Contact Us

24/7 EMERGENCY SERVICE

How to File Your Flood Insurance Claim Like a Professional

When disaster strikes you need to file your flood insurance claim like a professional. As in most situations, the more you know, the smoother the process will go. Ensure your claim is properly prepared by following these helpful steps from Urgent Restoration.

Step 1: Flood vs Water Damage

Be sure you are dealing with a flood. A flood is defined as “A general and temporary condition of partial or complete inundation affecting two or more acres of normally dry land area (or of two or more properties) from the overflow of inland or tidal waters, the unusual and rapid accumulation or runoff of surface waters from any source, or mudflow. Skip to Step 2 if you are sure you have a flood insurance claim.

On the other hand, if you are dealing with a leak, broken pipes, toilet overflow, roof leaks, appliance malfunction or a comparable circumstance, please advise these are water damage issues. Report water damage claims under your standard homeowner’s insurance policy.  You can report a claim under your homeowner’s policy by contacting your insurance agent or your insurance company.

Step 2: Call Your Insurance Agent to Start a Flood Insurance Claim

Once it is safe to return to your property, call your insurance agent. Report the damage and losses to get the ball rolling on your flood insurance claim. This is also a good time to ask if you are eligible for an advance payment. This will allow you to begin the recovery process right away. You could be eligible for up to $20,000, even before an insurance adjuster comes to inspect your property. However, you can expect an adjuster to contact you within a few days after filing your initial claim.

Step 3: Take Photos and Videos of Your Flood Damage

Use detailed pictures and videos to provide thorough documentation of the damage on your property. We recommend taking as many photos and videos as you can, of both the exterior and interior. This will be especially helpful if you have to dispose of items (due to health reasons) before an adjuster can inspect the damage for themselves.

Step 4:  Start Flood Cleanup

Acting quickly is imperative after experiencing a flood. Within just 48 hours, the damage done by floodwaters can render your affected belongings unsalvageable. Promptly remove any flood-damaged items.  Remember to retain samples of affected flooring, curtains, drywall, and other unsalvageable items for your insurance adjuster’s inspection. Any items that pose potential health risks, such as pillows or spoiled food, need to be thrown away immediately. However, only dispose of these items after they’ve been properly photographed.

Step 5: Meet with Your Insurance Adjuster

The floodwaters have receded and the recovery has begun. Nevertheless, there is still plenty of work to do, including with the meeting with the insurance adjuster. Once he or she arrives, make sure they provide you with official identification. Your adjuster will compile an accurate estimate of your losses as a result of the flood damage. Provide any photos and videos you took as evidence to support your flood insurance claim. Be diligent, once the estimate has been submitted stay in contact with your insurance company. This will ensure you receive a timely flood insurance claim payment to compensate your losses.

Step 6: Receiving the Final Flood Insurance Claim Payment

Following the insurance inspection by your adjuster, you can expect to receive a package including a copy of the report, and a check made out to you, or your mortgage company. Make sure to fully review the report before cashing the check.

Flood Damage Cleanup in Central Florida

We hope that you never experience a flood that damages your property.  Yet if you do, the professionals at Urgent Restoration are here to help. We offer 24/7 services for your convenience. We are proud to serve customers in Polk County and Central Hillsborough throughout Central Florida. To learn more, call us at (863) 583-5800 or send us a message through our website.

SHARE

Share on facebook
Share on twitter
Share on linkedin

Related Articles

Controlling mold at home

Things to Keep Mold Under Control

Mold can be unsightly, dangerous to the health of humans and pets, and can cause damage to property. It is always important to take steps …

Learn More
Mold problem on walls

Signs You Have Mold Inside Walls

Mold in your home can be smelly and potentially dangerous, and it is often unsightly. However, sometimes it can also be unseen, such as when …

Learn More
Mold inspection report

What’s the Mold Inspection Process?

Mold and mold spores exist everywhere, both indoors and outdoors, and the fungus needs only moisture and warm temperatures to thrive. This is an obvious …

Learn More
Crawl space

Crawl Space Cleaning Tips

Most homes in Florida do not have basements, unlike homes in much of the rest of the country. This is because the groundwater in the …

Learn More
COVID-19 and water damage restoration

Water Damage Restoration and Coronavirus

Even in the best of times, water damage in a home or business is disruptive, stressful, and potentially dangerous. Since Coronavirus started to become prevalent, …

Learn More
What to do in case of fire

What Should I Know if Faced with a House Fire?

House fires are frightening, traumatic events that every homeowner hopes to avoid. But according to the National Fire Protection Association, there are more than 350,000 …

Learn More
Home water damage cleanup

Top 8 Signs that You Need Water Damage Cleanup in Your Home

Restoration services are done when there has been damage of any sort to your home. Most restoration companies offer water damage restoration, smoke and fire …

Learn More
House water restoration

A Complete Guide on How to Clean up Water Damage in Your Home

When you have water damage, your first instinct may be to panic. But don’t panic! There are professionals on standby ready to help with emergency …

Learn More
carpet water damage restoration

How to Clean Up Water Damage in Your Carpet

You have water damage to your carpet. Now what? The first thing you should do for emergency water damage restoration services is to hire a …

Learn More
water restoration team

Companies that Clean Up Water Damage

As a homeowner and a business owner, water damage is a threat to your property and valuables. If a burst pipe or natural disaster has …

Learn More
How to do water damage restoration

How to Do Water Damage Restoration

When water damage happens in your home, it is extremely important to take care of it right away. Calling a professional water removal company is …

Learn More
water damage restoration services

How Long Does Water Damage Restoration Take?

The extent of water damage cleanup is dependent on the extent of the damage to your home or business. The severity of the damage also …

Learn More
Water Damage Restoration Services

How Much Does Water Damage Restoration Cost?

Water damage restoration is, unfortunately, inevitable for most Lakeland homeowners and business owners. Water damage restoration is when an emergency water clean-up needs to happen …

Learn More
water damage restoration & near Lakeland, FL

What is Water Damage Restoration?

Water damage restoration is an important service for all Lakeland homeowners to utilize when there has been water damage to their homes. Water damage restoration …

Learn More

What You Need To Know About Mold

Did you know that nearly half of all homes in the United States are suffering from some form of mold contamination? Experts reported this epidemic …

Learn More

Who Is The Best At Water Damage Cleanup?

When your home or business experiences water damage, you need to act fast. It doesn’t matter if the cause is flooding or a leaking or …

Learn More

What Is Mold Remediation?

A flood or water leak can quickly put your home or business in danger of having a mold problem. In warm and sunny Lakeland, FL …

Learn More

What Should I Do After a Flood?

Unfortunately, floods aren’t just a tragedy we see happen to other people on the news. Floods can happen at any time and completely devastate your …

Learn More

How to Detect a Hidden Water Leak

One out of 10 homes in America has a water leak that wastes at least 90 gallons of water every day. Your home could be …

Learn More

How to Quickly Classify Water Damage and Flooding

Water is flooding your home. Panic starts to sink in. What should be the first step in dealing with this traumatic life event? Classifying what …

Learn More

3 Quick Steps to Take When You Have a Water Leak

Whether water is filling your floor or you have a slow trickle out from under your sink, a water leak results in money pouring down …

Learn More

Water Damage and Insurance Claims

Does Home Insurance Cover Water Damage Restoration Cost? Water damage is one of the leading causes of home insurance claims. Water is quick to destroy your …

Learn More

If you are in need of emergency restoration services in Polk County, Hillsborough County or Central Florida, call Urgent Restoration today!

Weʼre here to help with disaster restoration and other emergency services. We have a staff of experienced technicians on hand, ready to act as soon as we get your call. We can help restore your home – and your life – back to normal.

Call Us 24/7 With Your Emergency Restoration and Remediation Needs