Floods can be disturbing. They will cause significant damage to homes and properties. If you ever face flooding damage, you should know the policies on handling insurance claims. We will guide you through the process. We’ll help you understand why involving a public adjuster is crucial.

What Is A Flood Damage Claim?

A claim for flood damage is a request for compensation from your insurance company. It covers repairs, replacements, and other damages caused by floods. Moreover, Filing your claim for flood damage as soon as possible is essential. The more time you waste, the more complications there will be. Additionally, insurers may have a deadline for claims. So, it’s better to act quickly with the situation.

Types Of  Water Damage

  • Flooding –  It can be caused by various sources, such as heavy rain, melting snow, or nearby bodies of water overflowing. Furthermore, it can cause structural damage and health risks because of the contaminants in the water.
  • Sewer Backup – When the sewer system becomes clogged, wastewater can go back into properties. This type of water damage is destructive. Moreover, it also creates health hazards due to the presence of bacteria and other germs.
  • Clogged Toilets – Toilet blockages can cause wastewater to overflow, leading to water damage in the surrounding areas. This damage is usually caused by plumbing issues or using a large amount of toilet paper.
  • Leaking Roof – Roof leaks are caused by damaged shingles, faulty flashing, or clogged gutters. Moreover, if this issue is left unresolved, water can come inside the building, causing significant damage to ceilings, walls, and personal property.
  • Bursting Pipes – Freezing temperatures and extreme pressure can cause pipes to burst. Water overflowing into the property can cause extensive damage.

Document Your Flood Damage

The first step you will have to take is to evaluate the damage to your property. Take photographs and videos for evidence. It is important to document the damage because the evidence that has been gathered will help support your case.

Furthermore, maintain a detailed list of damaged items and repair costs. Keep receipts for any temporary repairs. This will increase your chances of claiming flood damage.

Thoroughly Read Your Insurance Policy

Sometimes, your insurance policy doesn’t cover everything in a claim for flood damage. This is why you must check and evaluate the insurance policy to ensure you don’t miss out on any critical information.

Furthermore, your insurance company might have a limited amount to pay for flood damage. And this is why you would need a public adjuster. If you are not sure about the insurance claim’s coverage details or need help with anything regarding the insurance claim, you would have to consider hiring a public adjuster. This is because they’re professionals who can help you go through the insurance process and ensure you receive the full amount you’re allowed to.

Get The Help You Need With Premiere Public Adjuster

Dealing with flood damage can be stressful. It can be challenging to go through all the important documents and insurance claims and understand your policy. That’s where we come in.

Premiere Public Adjusters are experts who can help you through this process. We’ll make sure your claim is handled fairly and professionally. Contact us today, and let us help you get the compensation you deserve.