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How to Recover From a Flood

10/10/2018

 
Let’s take a look at some of the ways you can recover following a flood that damages your home.
Floods cause billions of dollars in damages on an annual basis. Recovering from even just an inch of water can cost $27,000 or more. 

If you think you're not at risk, think again: more than 20% of all flood insurance claims come from low or moderate risk level areas. Tragically, only 12% of Americans choose to purchase this important protection!

Damage to your home caused by flood waters is typically not covered by your homeowner’s policy. You'll need a flood insurance policy through NFIP or other sources to have coverage. Speak with your independent agent about your coverage options to make sure you are protected if a flood occurs.  

If you do experience a flood, here are some of the ways you can recover following a flood that damages your home:
  • Clean up: The Insurance Information Institute - a research firm devoted to insurance - recommends thoroughly inspecting the home once it is safe to re-enter, looking to identify potential fire hazards, damage to the foundation, mold and other major threats to safety.
  • Repair: Health needs to be the top priority while repairing the home after a flood. Wear gloves and take caution before entering the home in case of mold and bacteria.
  • Rebuilding: The American Red Cross - a humanitarian organization - and the Federal Emergency Management Agency - a government entity devoted to emergency response - strongly urge homeowners to seek out assistance for bigger rebuilding projects, ensuring qualified professionals handle the task. 
  • Track progress: Take photographs, track all of your spending on repairs and diligently log every item to ensure you are prepared to file a claim properly. 
​
​Homeowners should always get in touch with their independent insurance agent as soon as possible when a flood occurs, as they will need to get an adjuster into the home to begin evaluating the damages. Working closely with your flood adjuster every step of the way will help to speed up the process of getting your claim adjusted and your life back to normal. 


RELATED ARTICLES

If you want to guarantee safety and security for your home and your family, flood insurance may be the solution.
PROTECTING YOUR FUTURE WITH FLOOD INSURANCE 
The impact of flooding goes beyond simple property damage.
THE IMPACT OF FLOODING
Here are five of the most-notable floods to hit the U.S.
5 NOTABLE FLOODS IN U.S. HISTORY​​


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  • Business
  • Auto
  • Home
  • Digital Toolbox
    • LinkedIn Best Practices
  • Flood
    • Hurricane Preparedness
  • Infographics
  • Prep Guides
    • Coronavirus Information
    • Spring Maintenance Guide
    • Fire Prevention & Safety
    • Winter Preparation For Your Home
    • Winter Preparation For Your Business
    • Winter Preparation For Your Vehicle
    • Hurricane Preparation