Flood Damage >> Coming Home To Flood Damage

Steps to File Your Flood Insurance Claim

Step 1. Contact your agent to report your loss: Have ready the name of your insurance company (your agent may write policies for more than one company), Coming Home To Flood Damage policy number and a phone number and/or e-mail address where you can be reached.

If you get in touch with your agent or company representative directly, they will advise you how to file your notice of claim.Otherwise, Coming Home To Flood Damage you must send a written notice to your insurance company with your policy number.

Step 2. Separate your property: Your policy requires you to separate damaged property from undamaged property. But don't throw anything away before an adjuster has seen it. If local officials require damaged items to be thrown out, Coming Home To Flood Damage take photos before disposing of them and keep samples for the adjuster to see (for example, cut out a piece of wall-to-wall carpet). Do all youcan to protect undamaged property.

Step 3. Make a list of damaged contents: If you have contents coverage, make a list ofdamaged property. List the quantity of each item, a description, brand name, where purchased,its cost, model and Coming Home To Flood Damage serial number (if appropriate) and your estimate of the loss amount. Attachyour bills, receipts, photos and any other documents.

Step 4. List areas of structural damage: As you look over your property, make a list of anyareas of structural damage you want to point out to the adjuster. If you have damage estimatesprepared by one or more contractors, provide them to the adjuster since they will be consideredin the preparation of your repair estimate. Coming Home To Flood Damage

When the adjuster comes: Generally, your adjuster will contact you within 48 hours afterreceiving your notice of loss. However, depending on local conditions and the severity offlooding, Coming Home To Flood Damage it may take more time. Once the adjuster reaches you, a time will be set for the adjusterto view your property.

During the visit to your property, the adjuster will take measurements and photographs and notethe flood damage. This is called "scoping" a loss. Your adjuster will be an experienced claimsprofessional and will notice many points of damage you could overlook. However, you areencouraged to point out all damage you have noticed.The adjuster uses the knowledge gained from the visit(s) − and Coming Home To Flood Damage the documentation you provided− to complete a detailed estimate of damage.

You will get a copy. You may ask the adjuster foran advance or Coming Home To Flood Damage partial payment. If you have a mortgage, your mortgage company will need to signto sign building property advance check.Your official claim for damage is called a Proof of Loss. It includes a detailed estimate to replaceor repair the damaged property.

It must be fully completed, signed, and in the hands of yourinsurance company within 60 days after the loss occurs. In most cases, the adjuster, as acourtesy, will provide you with a suggested Proof of Loss. However, you are responsible formaking sure that it is complete, accurate and Coming Home To Flood Damage filed in a timely manner.

Be sure to keep a copy ofthe Proof of Loss and all supporting documents for your records. Do not walk through flowing water. Drowning is the number-one cause of flood deaths.Currents can be deceptive; six inches of moving water can knock you off your feet. Use a pole or Coming Home To Flood Damage stick to ensure that the ground is still there before you go through an area under water.

Do not drive through a flooded area. More people drown in their cars than anywhere else.Don't drive around road barriers; the road or Coming Home To Flood Damage bridge may be washed out. A car can float in aslittle as two feet of water (see page 2).Stay away from power lines and electrical wires. The number two flood killer after drowningis electrocution.

Electrical current can travel through water. Report downed power lines toCommonwealth Edison at 1-800/334-7661 ("1-800/Edison-1").IndoorsTurn off your electricity if your building is flooded. See the instructions on page 18. If youdon't feel safe doing this, Coming Home To Flood Damage call an electrician.

Some appliances, such as television sets, canshock you even after they have been unplugged. Don't use appliances or Coming Home To Flood Damage motors that havegotten wet unless they have been taken apart, cleaned, dried and inspected by a professional.Watch for animals.

Small animals like rats and snakes that have been flooded out of theirhomes may seek shelter in yours. Use a pole or stick to poke and turn items over and scareaway small animals.Look before you step. After a flood, Coming Home To Flood Damage the ground and floors are covered with debris includingbroken bottles and nails. Floors and stairs that have been covered with mud can be veryslippery.

Be alert for gas leaks. Use a flashlight to inspect for damage. Don't smoke or use candles,lanterns, or open flames unless you know the gas has been turned off and Coming Home To Flood Damage the area has beenthoroughly aired out. See page 19. If you have questions on gas, call 1-888/642-6748 ("1-888/NICOR4U").

Carbon monoxide exhaust kills. Use a generator or other gasoline-powered machineoutdoors. The same goes for camping stoves. Fumes from charcoal are especially deadly —cook with charcoal outdoors.Clean everything that got wet. Flood waters have picked up sewage and chemicals fromroads, farms, factories, Coming Home To Flood Damage and storage buildings.

Spoiled food and flooded cosmetics andmedicines are health hazards. When in doubt, throw them out.Take good care of yourself. Wear gloves and boots. Wash your hands frequently during cleanup. Recovering from a flood is a big job. It is tough on both the body and Coming Home To Flood Damage spirit and the effects adisaster has on you and your family may last a long time.

Keep your eyes open for signs ofanxiety, stress, Coming Home To Flood Damage and fatigue in you and your family. were wet should be strippedto the studs and the insulation removed. Walls must remain open to allow them to completely dry. Other wallcavities should be inspected for visible mold growth.

Any area inside a wall cavity with visible mold growthshould be opened, cleaned, decontaminated and dried.The exterior of each building (siding, etc.) will need tobe evaluated to see if any or Coming Home To Flood Damage all of the exterior materialsshould be removed. Plaster, brick and concrete block walls can probably be cleaned, disinfected and completely dried.

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