How To File A Flood Claim Pt 2

Dated: 09/14/2017

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NFIP Policyholders Must Follow the Guidelines of Their Flood Policy When Cleaning Up. Read the U.S. Department of Environmental Protection Agency’s Homeowners' and Renters' Guide to Mold Cleanup After Disasters.

Before entering, make sure it’s safe to re-enter the building.

Take as many photos and or videos of your flood-damaged property both on the outside and the inside of the building and label them, by room, before you remove anything--including items of exceptional value. For items like washers & dryers, hot water heaters, kitchen appliances, televisions, and computers, make sure you take a photograph of the make, model, and serial number. This information should be provided to the adjuster.

Remove your flood damaged items:

  1. For your building items (e.g., flooring), retain samples such as carpet, wallpaper, and drapes for your adjuster’s inspection.

  2. For your personal property items, separate the damaged from undamaged items for your adjuster’s inspection.

  • Immediately throw away flooded content items that pose a health risk, such as perishable food items, clothing, cushions, pillows, etc. after photographing them.

  • Confirm your available NFIP coverage. Some policyholders may only have building or contents (personal property items) coverage; not both.

     3. Contact repair services if the building’s electrical, water, or HVAC systems are damaged. It’s important to consult your adjuster or insurance carrier before you sign any agreement/contract with a cleaning, remediation, or maintenance contractor.

     4. Contact your community building department and floodplain administrator to get information:

  • Whether your property was substantially damaged;

  • Tips on how to better protect or repair your home; and

  • Obtaining a building permit. This is a very important thing to do so you build or repair in compliance with local ordinances.



Information is from https://www.fema.gov/nfip-file-your-claim

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Jenny Rutherford

Meet Jenny Rutherford Jenny Rutherford Real Estate, LLC. Where did you grow up? I grew up on a farm at the base of the Blue Ridge Mountains in Virginia. I've lived in several states, including Virgi....

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