Hurricane season is here, and now is the best time to prepare for it. Remember, Flood insurance is not covered under your traditional Homeowners insurance policy. So, if you are a homeowner, it may be a good idea to shop around for flood insurance.
If you have suffered a loss due to flood, here are the steps of what to do:
Beware of structural damage and other hazards before re-entering your home
Have your policy number, a list of damaged or lost items, along with photos of damaged property ready to file your flood insurance claim with your agent
Ensure you take the proper steps to clean up the flood damage
How to file your insurance claim:
Call your insurance agent you handles your flood insurance to file a claim. Have the following information with you when you call:
1) The name of your insurance company (your agent may work with multiple carriers)
2) Your policy number
3) A telephone number and email address to reach you
Take photos of any water in the house and damaged personal property. If necessary, place these item outside the home. Your adjuster will need evidence of the damage and damaged items to prepare your repair estimates .
Make a list of damaged or lost items and include their age and value where possible. If possible, supply receipts of those lost items to the adjuster. Officials may require disposal of damaged items. If so, keep a swatch or other sample of the items for the adjuster.
If you need help shopping for flood insurance, we can help you out. Give us a call at (516) 277-0812 or email us at Info@thesarricagroup.com. We work with 30+ companies and this provides us with a competitive advantage when it comes to price benefit.
Disclaimer: There is a standard 30 days waiting period before a policy can be used