Take these steps if your home has been affected by a flood.
Unfortunately, flood damages are some of the most extensive and expensive that your home can experience. If your home has flood damages, you may not know what to do. Here are some of the steps you should take to get on the road to recovery.
Call Your Insurance Agent
If you have flood insurance for your home, one of the first things to do is call your agent to report the flood damage. From there, they will be able to walk you through the claims process. Keep in mind that standard homeowners insurance does not offer coverage for flood damage; you need to have specialty flood insurance for this type of coverage. If you do not have this type of coverage at the time of the damage, you will have to cover the cost of your repairs on your own. This is why all homeowners, especially those who live in flood-prone areas, need to have this specialty coverage in place.
First, if there is standing water still in your home, you need to get this drained before you can assess your home’s damage. When you look around your home, certain damages such as mold or broken appliances will be easy to see. However, other damages might not be so obvious. This is why you should bring in a professional contractor to fully assess the extent of your damage. Your contractor will be able to check for issues with your home’s foundation, insulation, drywall, electrical systems, and so on.
Once you know the extent of your home’s damages, be sure to document it with pictures and videos. This will assist you with your claims process and will also help you track the repairs that you’ve already taken care of and which you still need to do.
These are some of the steps that you should take to deal with flood damages to your home. Want another way to take care of your home? Make sure you have the proper homeowners insurance protections in place. For assistance with your home’s coverage needs, contact the experts at Scautub Insurance Agency. We are ready to get you covered today.