After the Flood: 3 Actions To Take While Waiting for the Insurance Adjuster

1/11/2022 (Permalink)

Nassau apartment damage.

Protect Your Property and Prepare To File a Claim

When a large flood impacts Nassau Bay, TX, you will likely be one of many neighborhood residents filing a flood insurance claim. This is an effective way to protect yourself against any damage the flooding causes; however, waiting for the insurance adjuster can give flood waters time to cause further damage to your home. Fortunately, there are a few actions you can take in the meantime to protect your property and prepare to file a comprehensive claim.

1. Take Photos of the Damage

Once you know your home is safe to enter, begin by taking photos of flooded rooms and damaged items. Refrain from separating belongings during this stage and wear rubber boots and gloves for protection if you must enter flood waters. Catalogue whatever you find, including water stains on walls and ceilings, damaged furniture and ruined drywall.

2. Make a List of Valuables

Before you call in a flood damage and remediation service to drain flood waters from your home, make a list of any valuables that have been damaged. Include vehicles, artwork, jewelry and other items of value and list their estimated worth until you can access actual receipts. If any electronics, such as laptops, smartphones and tablets suffered water damage, retrieve their model and serial numbers to help expedite your claim once the adjuster arrives.

3. Call a Contractor

Have a contractor come in to check for water and mold damage so the adjuster can examine his or her findings and compare them with other damage estimates, such as the one the insurance company quotes you. Although each report may differ slightly when it comes to estimates, this can help you file a flood insurance claim with more efficiency.

Flooding in Nassau Bay, TX, is likely to keep your local insurance adjuster busy for days. However, you can take steps to prepare a flood insurance claim before your property is professionally inspected.