Although flood damage is not usually included in a regular homeowner insurance policy, many people who live in areas that often experience flooding obtainseparate flood insurance through the National Flood Insurance Program, or NFIP. If you’re dealing with flood damage and have a flood insurance policy, follow these four tips for getting the most out of your claim.
The first step is to verify that you do have a flood damage insurance policy through the NFIP. If you do, you’ll need to request a certified copy of your policy as soon as possible to get the ball rolling.
The amount awarded to you in flood damage claims will be determined primarily by damage assessments from a professional. To help ensure you get enough money to cover the realistic cost of repairs, get at least three independent damage estimates before you submit your claim.
[pullquote]Do not make repairs to your home, business or property until you’ve completed the damage assessment process.[/pullquote]
A Proof of Loss form is your sworn statement of the dollar amount that you’re requesting from your insurance company, as well as any necessary documentation of the damage. You’ll need to complete and submit this form to your insurance company within 60 days.
Whether you need help completing your Proof of Loss form to maximize your flood damage insurance claim or have additional questions along the way, working with an experienced public adjuster can help to take the headache and hassle out of the process.
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