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Home insurance claims after a disaster

Insuring own house can look like a tricky business to most people who are not quite familiar with the ins and outs of insurance coverage. Some people are even afraid of getting adequate coverage because they don't know what to do if they will actually need it. And taking the fact that insurance is not the cheapest of services these days it's quite evident that many people will choose to leave their houses uncovered. Still, if you value your house high enough to be worried about losing or damaging it having it covered is a must. And if you are confused about how to proceed after the disaster has already struck in order to get respectful coverage, here are some great tips to follow in order to file a claim and get what you should with no trouble at all.

In case of a flood

  • Do not wait until the water flows away. Contact your insurance provider in order to file a claim as soon as your house gets flooded. Learn what exactly your company will need to learn to start the process.
  • Analyze your insurance policy with your agent.
  • Call your insurance provider as soon as possible even if your policy does not cover your house against flood insurance. Certain policies still have special coverage to pay for your living costs if you are forced to move out of your house.
  • It's recommended to group damaged and undamaged items as soon as it is possible. Do not throw away or destroy any damaged things before your insurance provider sends in the claim adjuster for inspection. If there are any deteriorated materials that decompose and turn to hazardous garbage you should contact your home insurance company first in order to get an approval for removing it from your property.

Keep your losses in a record

  • Take clear and detailed pictures if all the damages to your property and belongings.
  • If there is damaged equipment or appliances, record the serial numbers if there are any.
  • If it happens that you have any pictures of your property before the damage, present them to your homeowners insurance adjuster for an easier appreciation. Ask your friends or relatives, they may have some pictures of your home too.
  • Keep all the receipts if you move out of your house after the flood and have to live elsewhere for some time.
  • Keep the receipts of any services regarding repair or cleaning connected with the situation. Make sure to include the receipts for rented appliances, equipment or any other additional costs as well.

In case you don't have your house insured yet, you'd better find out if your policy will cover you in case of a flood right when comparing homeowners insurance quotes. Most standard insurance policies won't include flood coverage and you will have to purchase an additional weaver to include this type of coverage into your policy. This is definitely a must for those who have their houses in medium and high flood risk areas (near rivers, lakes, dams, oceans, etc.).

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