When a flood strikes in your Denver home, your insurance company may not be the first thing to come to mind. Most commonly, homeowners rush to protect their belongings and minimize the damage to their property as much as possible. But, once the initial frenzy has waned, it’s time to consider filing your flood damage insurance claim. You can typically receive compensation from your homeowners insurance company to cover the cost of Denver water damage restoration services.
This article can serve as your guide to filing a flood damage insurance claim after a flood in your Denver home. But promptly and properly filing an insurance claim, you can ensure that you receive compensation for the damage.
Step 1: Document The Damage.
Before the process of cleaning up the flood damage in your Denver home begins, it’s important to document the damage for your insurance claim. Snap pictures and take video of the flooded area. Take written notes of the damage as well, and write down an inventory of your possessions. This information will support your insurance claim and ensure that you receive compensation for all of the valuable belongings that were damaged in the flood.
Additionally, don’t toss out belongings that were damaged in the flood. Your insurance adjuster may need to assess them later on to determine the value of your compensation.
We all hope that a flood won’t impact our homes. Unfortunately, the risk of a flood is always present, and many causes of floods are entirely out of our control. There’s often no telling when a pipe will burst or when a roof will start leaking during a storm. So, preparing for the possibility of a flood beforehand can be immensely helpful if your home does flood. This involves itemizing your valuable possessions as soon as you purchase them. Keep the receipts and take pictures of them. Then, keep these papers in a safe location, such as a safety deposit box. If a flood does strike, you’ll be able to simply get these papers and use them to significantly strengthen your insurance claim.
Step 2: Contact Your Insurance Agent ASAP.
To get the ball rolling on your flood damage insurance claim, it’s crucial to reach out to your insurance agent as quickly as possible after the flood occurs. Let the agent know that your home has flooded and you’ll file a claim for the damages. With this information, your insurance agent can work swiftly to help you recover from the sudden flood. This will involve assigning an insurance adjuster, who will walk you through the requirements for filing a claim and give you any necessary paperwork.
The Insurance Adjuster
Your assigned insurance adjuster will reach out to you quickly after the initial phone call – probably after just a few days. When the insurance adjuster calls, make sure that you have your policy number and current contact information ready to go. In the event that your adjuster doesn’t reach out after a few days, contact your insurance agent again and to provide this information.
If you work with water damage restoration specialists like Denver Restoration, the task of coordinating with your insurance company will be taken off of your hands. We’ll work with your insurance company for you to ensure that your claim is approved as quickly as possible.
Step 3: File The Paperwork.
After taking the preliminary steps, it’s time to file your flood insurance claim paperwork. This needs to happen within 60 days of the date of the flood. The Proof of Loss form is crucial, as it lays out your final claim under the National Flood Insurance Program. This form is essential to the approval of your claim.
Throughout the process of filing your insurance claim, keep a record of every interaction that you have with your insurance company. Whether it’s a phone call or an email, keep track of your correspondence. You may need these records if you hit any bumps along the road to receiving your flood damage compensation.
Finally, for reliable help throughout the process of filing an insurance claim for a Denver flood, contact Denver Restoration. Our experts will take care of the insurance company for you so that your claim gets approved with speed.