Flood Related Claim Preparation Tips |
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Begin cleanup as soon as it is safe to enter the property in an effort to mitigate any further damages to the property.
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Document your claim through the use of photographs prior to cleanup as well as during the cleanup process.
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3. |
Take photographs of the outside of the premises showing the flood damage and with a tape measure to show the water line. Also, take photographs of the outside and inside of the building showing the height of the water and the damaged property. Take photographs of each room from different areas of the room.
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4. |
If you have contents coverage, you will need to start your contents inventory list. You will need to list each item separately, include the location of each item, age of each item and the replacement cost value of each item. Include the make, model and any serial numbers available. (Example: Sears couch, 3 years old, $1500 located in basement den). Take photos of each damaged item. DO NOT DISCARD ITEMS PRIOR TO THE ADJUSTER INSPECTING THE ITEM. If the items are discarded you may not be paid for the item. Keep small samples of carpet & carpet padding (3’ X 3’ piece) for the adjuster to inspect.
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As soon as possible, separate damaged property from undamaged property so the adjuster may inspect the damaged property and assist you in documenting the damage.
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Place all account books, financial records, receipts, and other loss verification material in a safe place for examination and evaluation by the claims adjuster.
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7. |
As you look over your property, make a list of any areas of structural damage you want to point out to the insurance adjuster.
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8. |
Do all you can to protect undamaged property.
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9. |
If a remediation company, public adjuster or any other type of vendor is hired, it is at your discretion. Any contracts entered into by the insured are between the insured and the contracting company. |