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What’s the Flood Claim Process?

If you, unfortunately, are facing the consequences of a flood, you must file a claim. According to FEMA, the Federal Emergency Management Agency, there are three specific steps you must take to file the claim. These steps can be found below.

Step One

You must talk with your insurer and explain your situation before the claim process begins.

When speaking with your insurer, have these items nearby:

  1. Insurance company name
  2. Policy number
  3. Your contact information

After notifying your insurer, you should hear back from an adjuster soon.

Step Two

The second step is to document all the damage found and caused by the flood. You will need to provide your adjuster with proof of all damages so your estimate can be prepared.

Some tips:

  1. Take pictures of every damaged item on the property.
  2. Make a list that includes all the damages, their value, and receipts, if possible.
  3. You may be required to place all damaged items outside of your home.

Step Three

The third and final step in processing a claim is to complete a proof of loss. This can be done with the help of your adjuster. The proof of loss can be quite lengthy and must include your specific details from your flood insurance policy. This must be done within two months of the flood to be accepted.

After the claim has been filed, and an agreement between you and your insurer on the damages has been made, you will receive your claim payment. All documents must also be signed and reviewed.

We understand insurance can be confusing. If you have any more questions, feel free to contact us here or call us at (410)-742-5111.  We’d love to help.


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