Anyone who's been through a flood knows that recovering after this kind of disaster isn't easy. You're forced to accept that irreplaceable family treasures and memories may be gone forever, your furniture is destroyed, potentially along with your home. It's a devastating and emotional moment and a lot to take in all at once. But you know the only thing you can do is move forward, and begin the steps needed to restore your home.
As soon as the floodwaters recede, you can return to your home as long as officials give the OK to do so. Before entering your home, however, make sure it is safe!
Bring waterproof boots, a first aid kit, cleaning supplies and a battery-powered flashlight with you before entering the house! You never know what you'll run into.
When reporting a claim, you should have the following information available:
The next step, according to the Federal Emergency Management Agency (FEMA), is to prepare for your inspection. After deeming the structure safe for entry, take as many photos or videos of the flood-damaged property on the outside and inside. Take pictures of high-cost items as well like washers and dryers, hot water heaters, televisions and kitchen appliances. It's also a good idea to separate the damaged from undamaged items prior to the inspection.
When the adjuster arrives, they will inspect your property including taking measurements and photos and give you an overview of the NFIP flood claims process. Remember that some flood insurance claims are more complex than others. Some may be opened and closed quickly, while others may take weeks or even months to resolve.
If your vehicle was also damaged in a flood event, it's best to call your auto insurance provider to see if you're covered for the loss.
If you are a Foremost customer and need to file a claim on your home, click here for online help or call 1-800-527-3907. To file an auto claim, call 1-800-274-7865.Tweet
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