How To File A Flood Claim Pt 3

Dated: 09/15/2017

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When your claims adjuster shows up, he/she should show you their official identification (Driver’s License and Company ID or Flood Control Number (FCN card). The adjuster should also provide you with their contact information, such as their name, email, phone number, and the name of their adjusting firm, and their telephone number.

What you should expect from your adjuster:

  • An explanation of the NFIP Flood Claims Process.

  • An inspection of your property—during which he/she will scope your loss by taking measurements and photos.

  • An explanation of what an Advance Payment is and how or if you can get one.

  • Information about how you should present your loss to your insurance carrier and a discussion about your policy coverage.      

Other things to know, do and or discuss with your adjuster:

  • The insurance carrier, not the adjuster, has the authority to approve your claim.

  • Be sure to provide your current mailing address and phone number if you are displaced.

  • Ask if you are eligible for Increased Cost of Compliance.

  • The adjuster should never ask you for money or collect your deductible amount

  • The insurance carrier, not the adjuster, has the authority to approve your claim

At the end of your inspection, your adjuster should provide you with information about what you need to do and what will happen next. The adjuster should hand you a physical copy of this information, along with his/her contact information. Read more about What to do After Your Inspection.



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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