Navigating The Flood Insurance Claims Process: Strategies For Dealing With Adjusters

Dealing with insurance adjusters after a flood can be a challenging process for any property owner. It is important to understand the cause and extent of the damage, as well as the type of water involved, as this will impact how the claim is handled. Working with a disaster restoration company can alleviate some of the stress by helping to document the damage, work with the adjuster, and negotiate a fair settlement. It is crucial to take photos and videos of the damage, keep records of expenses, and be aware of your rights when dealing with insurance companies and their preferred providers.

Assess the damage and its cause

Dealing with a flood in your home can be devastating, but taking the right steps can help alleviate the stress and expedite the cleanup and claims process. The first step is to assess the damage and its cause.

Firstly, it is important to determine whether a claim is warranted. The extent of the damage and the amount of water present will help you decide if you should proceed with a claim. For example, if you have a few inches of water in your basement due to a sump pump malfunction, your policy deductible may be higher than the cost of repairs.

Next, assess what happened and where the water came from. Water in your home can result from various factors, and understanding the source will help determine if your policy covers the type of damage. Speak with your agent or broker about the different types of water damage coverage and what is best for your home.

After assessing the cause, take photos and document the damage. It is important to act quickly to avoid mould and further loss. Document the water and any damages as extensively as possible to provide to the adjuster, agent, or broker if a claim is necessary.

Finally, decide if you need to consult a disaster restoration company. If the water levels have not impacted electrical sockets, drywall, flooring, or personal belongings, cleaning up the water yourself may be more cost-effective than filing a claim. However, if there is extensive damage, arrange for a disaster restoration company to come to your house as soon as possible. They will clean up the water, provide a quote for repairs, and help determine if you should proceed with a claim.

Document and report the damage

Documenting and reporting flood damage is crucial for a successful insurance claim. Here are some detailed steps to help you through this process:

Take Photos and Videos:

Use your mobile phone or any other device to capture extensive photo and video evidence of the flood damage. Document the water damage, including any standing water, soaked surfaces, and affected belongings. Take pictures from different angles and capture close-ups of damaged areas. Be sure to include the context of the photos, such as the location and date. Also, take photos of any receipts related to purchases made for mitigation or temporary repairs.

Communicate with Your Insurance Company:

Email the photos and videos to your insurance agent, claims adjuster, and yourself. Ensure you "cc" yourself in the email for easy access later. Keep a record of all communication with your insurance company, including emails, phone calls, and conversations. Create a dedicated folder in your email or on your device to store all relevant documentation.

Assess the Damage:

Before beginning any cleanup or repairs, assess the overall damage to your property. Identify the source of the water and determine if it is from an internal or external cause. Look for signs of water entry, such as leaks from the roof, windows, or plumbing. Make a list or create a spreadsheet detailing the affected areas, the extent of the damage, and any observations that may be relevant. This information will be crucial when discussing the claim with the adjuster.

Document Personal Property Damage:

Create an inventory of your damaged personal belongings. Include as much detail as possible, such as the item's description, purchase date, and estimated value. If possible, provide receipts or proof of purchase for these items. This documentation will support your claim for reimbursement or replacement of your damaged possessions.

Address Safety Concerns:

Flood damage can create safety hazards, so it is important to address them promptly. Turn off the main water supply if necessary. If there is standing water, electrical hazards, or structural damage, take precautions to ensure the safety of yourself and others. Contact a professional restoration company or appropriate contractors to address immediate safety concerns and prevent further damage. Remember to document all conversations and keep receipts for any work performed.

Understand the Claims Process:

Familiarize yourself with the procedures of your insurance company's claims process. Review your insurance policy to understand your coverage, deductibles, and any exclusions. Know your rights as a policyholder, including your right to choose your own disaster relief or restoration company. Be proactive in gathering evidence and documenting the damage, as this will play a significant role in the success of your claim.

Decide on a disaster restoration company

Deciding on a disaster restoration company can be a challenging task, especially when dealing with the aftermath of a flood or another calamity. Here are some detailed guidelines to help you choose the right company:

Local and Experienced:

Opt for a restoration company that is based locally. Local contractors will have a better understanding of the local climate and the specific challenges posed by the disaster. They will also be more accountable and motivated to maintain a positive reputation within the community. Additionally, their proximity can be advantageous in terms of accessibility and responsiveness.

Licensed and Insured:

Ensure that the restoration company you choose is properly licensed and insured. Licensing indicates that the company has met the required standards and qualifications to perform restoration work. Insurance is critical to protect both you and the technicians working on your property. General liability insurance will cover any injuries or accidents that may occur during the restoration process.

Quick Response and 24/7 Availability:

Water damage, mould growth, and other issues resulting from a flood can quickly worsen if not addressed promptly. Look for a company that offers 24-hour emergency services and can respond within an hour or less. Their swift response can help mitigate further damage and give you peace of mind during a stressful time.

Range of Services:

Disaster restoration often involves various aspects, such as water damage mitigation, mould remediation, structural repairs, and content restoration. Choose a company that offers a comprehensive range of services to address all your potential needs. This will save you the hassle of coordinating with multiple vendors and ensure a more seamless restoration process.

Works with Insurance:

Restoration companies that have experience working with insurance providers can be a valuable asset. They can help you navigate the claims process, negotiate with adjusters, and ensure that your insurance covers as much of the restoration work as possible. Their expertise in this area can reduce your financial burden and streamline the overall restoration process.

Customer Service and Communication:

Opt for a restoration company that prioritises customer service and maintains open communication. They should be friendly, responsive, and knowledgeable throughout your interactions. A company that keeps you informed during each step of the process will help reduce your stress levels and give you confidence in their abilities.

Certifications and Accreditations:

Look for companies with certifications from reputable organisations, such as the Institute of Inspection Cleaning and Restoration Certification (IICRC) or membership in the Restoration Industry Association (RIA). These accreditations indicate that the company adheres to industry standards and best practices, ensuring a higher level of professionalism and expertise.

References and Reviews:

Don't hesitate to ask the company for references from recent clients. This will allow you to get firsthand accounts of their work quality, responsiveness, and overall customer satisfaction. Additionally, check online reviews on sites like Google or Facebook to gauge their reputation and the experiences of previous customers.

Remember, taking the time to research and choose a reputable disaster restoration company will pay off in the long run. A good restoration company will guide you through the entire process, from initial assessment to final repairs, ensuring your property is restored to its pre-disaster condition.

Contact your insurance company

Contacting your insurance company is an important step in dealing with flood damage. Here are some detailed instructions to guide you through this process:

Understanding the Damage:

Before contacting your insurance company, it is crucial to assess and understand the extent of the flood damage. This includes determining the source of the water, which can be from internal sources such as bathrooms, heaters, or external flood events. Different types of water damage, categorised as "clean", "grey", and "black" water, will have varying impacts on your health and the claims process. "Clean water" from sources like toilet tanks poses minimal health risks, while "grey water", such as dishwasher overflow, can cause sickness, and "black water" from sewage or rising seawater is extremely hazardous to your health.

Documenting the Damage:

Thoroughly document the flood damage by taking photos and videos of the affected areas. This documentation will be crucial when making a claim and can be easily done using your mobile phone. Remember to take pictures from different angles and capture the extent of the damage, including any personal belongings that may have been affected. Send these photos and videos to your insurance company and claims adjuster, and be sure to keep a copy for your records.

Addressing Immediate Concerns:

Some flood situations require immediate action to prevent further damage. For example, if there is standing water, it is important to turn off the power supply during daylight hours for safety. Even a small amount of standing water can lead to significant damage to sheetrock, floors, and other materials over time. Additionally, look out for potential dangers such as electrical outages and be cautious of potential health risks associated with different categories of water damage.

Selecting a Disaster Restoration Company:

Consider whether you need to consult a disaster restoration company. These companies specialise in cleaning up after flood damage and can provide valuable assistance. They will take their own photos, document the damage, and work closely with your insurance adjuster. Remember, you have the right to choose your own disaster restoration company, and it doesn't have to be the one suggested by your insurance company. Select a company that suits your needs and has a good reputation.

Contacting Your Insurance Company:

After you have assessed the damage, taken necessary photos, and potentially consulted a disaster restoration company, it's time to contact your insurance company. Report the loss, provide them with all the documentation you have gathered, and inform them if a disaster restoration company has been involved or if you require their assistance. It is important not to delay this step, as waiting too long could result in your claim being denied. Your insurance company will guide you through the specific details of your policy and the coverage you can expect.

Remember, dealing with flood damage can be stressful, but by following these steps and staying organised, you can effectively navigate the insurance claims process and protect your interests.

Negotiate with the insurance adjuster

Negotiating with an insurance adjuster after a flood can be challenging for any property owner. The adjuster's job is to process claims as quickly as possible, and this may involve keeping your claim payment as low as possible. Here are some tips to help you negotiate with the insurance adjuster and attain an optimal settlement:

• Understand the damage and its cause: Water damage can result from sources inside or outside your house and will be handled differently during the claims process. Assess the cause of the loss and the extent of the damage to your home and any contents.
• Document everything: Take photos and videos of the water and any damages. Keep receipts for any purchases made to protect your property from further damage, such as fans, duct tape, caulk, sandbags, and tarps. Send all documentation to your insurance agent and claims adjuster, and cc yourself for your records.
• Be aware of hidden water damage: Unseen water damage inside walls and floors may not be addressed by the adjuster. They may also not predict future issues such as mould. Negotiate with your insurance company for special cleaning services to mitigate ongoing damages.
• Ask questions: Prepare a list of questions and concerns to review with the adjuster. Ask about the estimated building loss, your insurance policy coverage, and whether they will be handling your loss from beginning to end. If you are uncomfortable with their decisions, voice your concerns to your agent or broker.
• Consider hiring a disaster restoration company: These companies can help alleviate the stress of dealing with the insurance adjuster. They will take their own photos, complete their own documentation, and work closely with the adjuster. They can also help with emergency clean-up and provide a quote for repairs or replacements.
• Hire a third-party adjuster (at your own expense): If you are still unsatisfied with the adjuster's decisions, you can hire a third-party adjuster to assess the loss independently.

Frequently asked questions