After Disaster Strikes
After a flood, you are going to need professional help. The most pressing issue is to remove any standing water and get the area dried out as soon as possible. Delay only makes things worse. You need to contact a Water Damage Restoration Contractor immediately to get the cleanup process started as early as possible. In a flood situation, you will most likely not be the only one needing this service so don’t delay, make the call.
Contacting Your Flood Insurance Carrier
If you have Flood Insurance contact your insurance producer or company as soon as possible after disaster strikes. After a natural disaster, insurance companies may communicate the proper procedures for filing a claim via local newspapers, radio or television. Your water damage restoration contractor can help you gather the details about damage to your property. They will have experience in dealing with insurance adjusters and can help you determine what coverages you have. They will also be an asset for you when processing your claim. If your insurance company does not have representatives on the scene available to help you, call the company directly and ask for the claims department. The company’s contact number should be listed in your policy or can be obtained through the Department of Insurance. Be sure to provide all phone numbers where you may be reached, especially if your home is uninhabitable. Your insurance company will need to contact you.
To take charge of your situation, it is imperative that you fully understand your rights and responsibilities. Recognize that after disaster strikes you may be emotionally distressed. Being emotional in this type of situation is normal. Have a trusted friend or family member assist you. If your insurance policy has been lost or destroyed in the disaster or if you are confused about the policy benefits or exclusions, ask your insurance producer or company exactly what coverages you have purchased. Request a copy of the policy.
To protect your property from further damage, you should have all necessary temporary repairs made, such as boarding up windows and patching holes in walls or roofs, as soon as possible–even if you have not yet seen the insurance company representative. Again your water damage restoration contractor will be able to assist you with the necessary temporary repairs. Listed below are some tips on making temporary repairs to your property.
Contact Your Insurance Company If You Need Emergency Funding.
If possible, take photographs to show the way things had looked before you began cleaning and making repairs. It is your responsibility to mitigate against the possibility of further damages. You are responsible for contacting your utility providers (i.e. water, gas, electric) to have services discontinued if necessary. Keep all bills and receipts from repairs. Do not dispose of items you believe may be a complete loss until the company representative has examined them. Board up windows and holes in the walls or roof. Cover furnishings with heavy-duty plastic or tarps, or store elsewhere. Be sure to get prior agreement from your insurance adjuster before you contract for repairs. Be cautious when signing repair contracts. Deal with local, reputable contractors.