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Leigh Insurance Agency of St Augustine Blog

A Guide on How to Handle Your Flood Insurance Claim

1/11/2020

4 Comments

 
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​Filing a flood insurance policy claim is not as simple as you think. If you want to get paid promptly with the exact amount of your claim, then you should do things the right way. Here are some tips on how to file a flood insurance claim while avoiding the hassle.
Contact Your Insurance Company As Soon as Possible
Many insurers will process your claims right away and do what they can by themselves. The only condition is that you should report the incident as soon as you can. The insurance company will assign your case to an adjuster. The adjuster will be the one to provide the necessary forms that you have to fill out.

Document Your Possessions Beforehand
Take an inventory of all the items in your room, but you have to do this in advance. This should be the first thing you have to keep in mind before the flood. Take pictures of your place, especially those things you're leaving if you have to escape the flood. Also, when you purchase a costly item, keep its receipt. Make a thorough, detailed list of everything and supplement this with a photo.

Make a Detailed List of Lost Stuff After the Flood
After the flood, clean up the place as soon as you can. Separate the dry items from the wet ones like clothes and linen. Make a list of all that you've found damaged or lost. Take photos of the house after the flood, or you can even videotape it. Wait for the adjuster, and he will advise you not to throw out any damaged property for documentation.

Work With the Adjuster
The adjuster will not only review your insurance policy. He will also assess the situation and help you get the benefits that you deserve. He will inspect your list of items before and after the flood. He will also be the one to prepare a repair estimate of your property. You need to cooperate with him if you want to get your claim.

Get a Trusted Adviser to Work with the Adjuster
Adjusters have already experienced handling property losses for many years. They’re capable of estimating the repair or replacement of all lost property. When the adjuster visits your place, make sure that a trusted adviser is there with you to work with the adjuster.

Some Final Words
Show the adjuster that you’re serious about your claim. Ask questions and be ready to defend your claim if he tries to challenge it. If there’s a possible rejection of your claim, then contact your state government’s department of insurance. Get your flood insurance policy now, and protect your property as soon as you can.

At Leigh Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (904) 826-0799 or Click Here to request a free quote.
4 Comments
John Carston link
11/2/2022 08:20:22 pm

I like how you mentioned that you should contact your insurance provider ahead of time to ensure quality planning. After we moved to our current area, my wife told me that we should have flood insurance for the safety and prevention of loss or damage to our property. She asked if I had any idea what would be the best option to consider. I'll tell her that consulting a trusted insurance center can help us provide more information about the best plan and coverage.

Reply
small business health insurance options link
12/14/2022 12:52:24 am

Great man! you’re awesome. Thanks for your clear article. Your article is very interesting and informative.It helped me a lot..

Reply
manufactured home insurance companies link
5/4/2023 01:17:24 am

Flood insurance claims can be complicated, but being prepared can help you avoid the hassle. Contact your insurance company immediately and document your possessions beforehand with photos and receipts. After the flood, make a detailed list of lost items and work with the adjuster to get the benefits you deserve. Remember to get a trusted adviser to work with the adjuster. Be serious about your claim and ask questions. Finally, protect your property by getting flood insurance as soon as possible.

Reply
Dave Hinson link
5/25/2023 11:16:07 pm

I recently came across your blog post titled "A Guide on How to Handle Your Flood Insurance Claim," and I want to commend you for providing such a comprehensive and informative resource. Dealing with a flood can be an overwhelming and stressful experience, and having guidance on how to navigate the insurance claim process is incredibly valuable.

Your article offers practical steps and tips for policyholders who find themselves in the unfortunate situation of filing a flood insurance claim. From documenting the damage and contacting your insurance provider to understanding the policy coverage and working with adjusters, you've covered the essential aspects that can help individuals navigate the often complex insurance claim process.

I appreciate the emphasis you placed on thorough documentation, including taking photographs and videos of the damage, creating an inventory of affected items, and keeping detailed records of all communication with the insurance company. These steps can significantly streamline the claim process and ensure that policyholders have the necessary evidence to support their claim.

Furthermore, your advice on working with adjusters and understanding the policy terms and coverage is valuable. Many policyholders may not be familiar with the intricacies of their flood insurance policy, and your guidance can help them better navigate the discussions with adjusters and ensure a fair and accurate assessment of the damages.

By providing this guide, you have empowered individuals to take control of their flood insurance claim and maximize their chances of a successful outcome. It's evident that your expertise and commitment to helping policyholders have played a vital role in creating such a comprehensive resource.

Thank you for sharing this valuable information with the public. Your blog post serves as a valuable tool for anyone facing the daunting task of filing a flood insurance claim.

Reply



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St Augustine, FL 32084
(904) 826-0799​
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