Flood Damage >> How Does A Sandbag Control Flooding

Voluntary Agencies Private voluntary agencies such as the American Red Cross, Salvation Army, and church groups are usually on the scene during or right after a flood. These groups usually provide for immediate needs such as clothing, groceries, shelter, medical aid, How Does A Sandbag Control Flooding and counseling.


Some private organizations can help you restore your home. They may offer supplies or sometimes volunteers to help you clean up and rebuild. The services are usually provided free of charge regardless of a person's eligibility for government aid. The services are usually provided free of charge regardless of a person's eligibility for government aid. How Does A Sandbag Control Flooding

The American Red Cross provides emergency assistance to people affected by disasters, whether or not the affect area has been declared a disaster area by a governor or the President. All Red Cross disaster assistance is free and How Does A Sandbag Control Flooding is provided as a gift of the American people.

The Red Cross does not receive funding form the government to provide this assistance. The American Red Cross can help by providing you with a voucher to purchase new clothing, groceries, essential medications, rent, bedding, essential furnishings, How Does A Sandbag Control Flooding and other items to meet emergency needs.

The Red Cross can also provide you with a cleanup kit: mop, broom, bucket, and cleaning supplies. Listen to news reports to find out where to go for this assistance, or look up American Red Cross in the telephone book and call. You can also find your local Red Cross chapter by doing a search through the Red Cross site on the Internet's Wide World Web at How Does A Sandbag Control Flooding http://www.redcross.org.

Businesses

Your local TV, How Does A Sandbag Control Flooding radio and newspapers will usually publicize how businesses are contributing to the recovery process. Some businesses may offer reduced prices, but be wary of "flood sales that are selling flood damaged items. Some insurance companies and lenders may let you delay your monthly payments.

Sometimes banks will make lower interest loans available for reconstruction. While these may seem easier to obtain than government disaster loans, their interest rates are usually higher. Be careful about out-of-towners offering "special deals, How Does A Sandbag Control Flooding especially repair contractors.

Sometimes the local builders' association will offer advice on reconstruction or advice on choosing contractors. (See Step 8 on dealing with repair contractors.) Flood Insurance Claims You may have as many as three separate insurance policies: homeowner's, flood, How Does A Sandbag Control Flooding and wind and hail. This section covers the procedures for handling a flood insurance claim.

Claims for non-flood damage will be handled in a similar manner. You should call your flood insurance agent to report your damage as soon as possible after the flood. Your agent will arrange for an adjuster to visit your home so that your claim can be settled. How Does A Sandbag Control Flooding

Be sure you leave phone numbers where you can be reached. If you are unable to contact the local agent, call the National Flood Insurance Program at 1- 800-638-6620. Under ideal conditions, How Does A Sandbag Control Flooding the adjuster should contact you to set up an appointment to visit your home within a few days after you call your agent.

But if flood damage is widespread in your area, it may take longer for the adjuster to visit, and it make take time for your claim to be settled. If flooding is extensive, How Does A Sandbag Control Flooding the adjusters will schedule their visits to review the most severe damage first.

The adjuster cannot estimate your damage until flood waters are away from the building. In the meantime, protect your home and its contents from additional damage, How Does A Sandbag Control Flooding but do not make repairs that make it impossible for the adjuster to see the damage.

Step 2, "Give Your Home First Aid,” discusses how to protect your home from further damage. While you are waiting for the adjuster, the following suggestions will help you organize the information that you will need: Take photos or How Does A Sandbag Control Flooding videotape the damage to both the inside and outside of the building and the contents.

Separate your damaged and undamaged belongings and store them for the adjuster to examine. Find receipts, canceled checks, or proofs of purchase for high cost items such as major appliances, if possible. The adjuster will need the manufacturers name; serial and model numbers; price; location and How Does A Sandbag Control Flooding date of purchase; and a description of the items.

The claims adjusters job is to collect information that is sent to a central office for processing. The insured (you) must file a Proof of Loss form within 60 days of the flooding. In most cases, How Does A Sandbag Control Flooding the adjuster will file this form for you. The form states the amount of your loss and is signed by both the insured and the adjuster.

An important point to remember is that you will not be reimbursed for expenses not authorized by the adjuster. You can ask the adjuster for an advance or How Does A Sandbag Control Flooding partial payment for your building or contents loss, especially if you need the money to make your home liveable.

An advance will not affect the total amount of your payment. Later, when your total payment is determined, the amount you were advanced will be subtracted from it. You can also ask for a partial payment if you disagree with the amount of your loss on the Proof of Loss form. How Does A Sandbag Control Flooding

Tell your adjuster if you disagree and ask what steps can be taken to straighten out your claim payment. The check to settle your flood insurance building claim will most likely be in your name as well as the name of your mortgage holder. How Does A Sandbag Control Flooding

Some insurance companies may send the payment to your mortgage holder. Talk to your mortgage company ahead of time to make sure there wont be a delay in getting your claim payment to you. You are supposed to be reimbursed fairly for your loss, How Does A Sandbag Control Flooding but you are not supposed to profit from a disaster.

You cannot collect more than the face value of your policy. You cannot collect for uninsured items, such as landscaping. Most adjusters receive a flat salary or How Does A Sandbag Control Flooding compensation on a per case basis. There are no financial incentives that encourage the adjuster to give you a small claim payment.

You should get the adjusters name, company, and phone number. He or she will probably be from out of town. In most cases, How Does A Sandbag Control Flooding you will be reimbursed for the actual cash value of an item. That is the cost of replacing the item minus depreciation.

If your policy is for 80 percent or more of he replacement cost of your house, you will be reimbursed for the replacement value of damage to your house (no depreciation). If you have problems with a flood insurance claim, your policy should list an office or telephone number that you can contact or How Does A Sandbag Control Flooding you can call your insurance agent.

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