What is the best way to document flood damage for insurance purposes?

How do flood insurance claims work? My property has experienced some flood damage, and I want to know how to document everything for my insurance claim.

Answer
“We’re so sorry to hear about your property! To maximize your insurance claim after a flood, you need to document the damage in detail.
Here’s what to do:
  • Take photos and videos and make a list of your affected property.
  • Collect receipts of any items that were damaged or need replacement, such as appliances, clothing, furniture, and electronics. Take pictures of serial numbers, when possible. If you have warranties, keep those handy.
  • Salvage what you can. Keep samples of ruined materials (wallpaper, upholsteries, windows, etc.) for your adjuster.
We hope once you’ve filed a claim with your flood insurance provider you’ll be on your way toward rebuilding ASAP. One last tip when sorting through your belongings: It’s important to isolate or throw out anything that could pose a health risk since the National Flood Insurance Program does not cover damages for mold. Removing these items will help stop mold from spreading.
If you have questions about your specific flood insurance policy, your best bet is to reach out to your insurance company directly. And if you want to adjust your coverage or shop for a better rate, try using the Jerry app. Jerry compares rates from the top providers and delivers the best deals directly to your phone for free.”
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Hana Sabah
Answered on Sep 10, 2021
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