Here's what you should do after your home has sustained flood damage.
If your home has been through a major flooding event, then you know how long the road to recovery can seem. However, you can take steps to get your home back into good shape. Here's what you should do after your home has sustained flood damage.
Check Your Insurance
In the event of a major flooding event, you will call your insurer to report the damage that your home has sustained. However, keep in mind that flood damages are not covered under your standard homeowners insurance. The only way to get coverage for a flooding natural disaster is with the right specialty flood insurance. If you do not already have this important coverage in place, then make sure you secure it now, so you are prepared for future flooding events.
Assess and Document Damage
If there is standing water in your home, then you need to drain it before you can safely enter and inspect your home. Once you are given the all-clear to return to your property, you should walk through your home taking pictures and videos to document the extent of the flood damage. Some internal damages might be hard to identify on our own, so hire a home inspector so they can point out some of the less obvious issues that the flood has caused.
Begin Your Claim and Begin Repairs
At this point, you should contact your flood insurance provider to begin the claims process. During this process, you will submit evidence of your home's damages. Your insurer might also send over a claims adjuster so they can examine the state of your home as well. Make sure that you do not begin repairs until you have been given the thumbs up from your insurance provider. Once you are cleared and receive your claim amount, you should find an experienced contractor to oversee your home's repairs.
This is what you should do after your home has sustained flood damage. Are you looking to find the comprehensive coverage that your home needs? Then contact
the experts at Fuller Insurance Agency
in Southern California. Our dedicated team is ready to get you covered today.