How to File a Flood Insurance Claim

Floods happen everywhere and at all times of the year, even if you are in an area in Greenwood Lake, NY that isn’t prone to flooding. Winter snowmelt can fill the basement and the first floor of your home in the spring. If a water main breaks and your neighborhood has a lot of paved roads, the water can’t be absorbed into the ground and it can flood your home. Spring rains create overflowing lakes, rivers, reservoirs, ponds and can enter your home as well. The best-case scenario is to have flood insurance from Windermere Insurance to protect your assets.

In the case of a flood in your home or business in Greenwood Lake, NY, there are three distinct steps to take in order to file an insurance claim.

Step 1: Notify your insurance agency to start the claims process. You should have this information at hand when you call or contact them: the name of your insurance company, a telephone or email address where they can reach you at all times and your policy number. Your first contact will be from an insurance adjuster who will ask you some questions.

Step 2: Documentation of the damage. You then need to separate the damaged and undamaged property from each other. Take pictures of all the damages to your home–both inside and outside and to all of your possessions that are damaged or destroyed. Include photos of items you discard as a total loss, damages to your home or building’s structure and standing water levels or water lines on the walls. Make a list of all the damaged items, their cost, and their receipts if you have them. You may need proof of discarded items, so put damaged items outside of the home so as not to cause more things to become wet or damaged.

Step 3: Complete proof of loss. A proof of loss supports your flood claim. Your claims adjuster will help you to fill it out correctly and it must be filed with your insurance company 60 days after the claim. You will receive your payment for your claim after you and the insurance agency agrees on the number of damages.

Flood insurance can be a daunting task, but here at Windermere Insurance, we understand and are here to help you to protect your assets. Come by the office or give us a call so we can help you with your flood insurance.