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Filing Insurance Claims

Debra Pankow, Family Economics Specialist

The following steps should be taken to file an insurance claim for flood damage to your home.

  • Call your insurance adjuster immediately.
  • Follow up on your call with a letter detailing the problem. Keep a copy of the letter
  • Begin cleanup and salvage as soon as possible. Don't wait for an adjuster, but do take photos or video before any cleanup for use as an inventory.
  • Keep damaged materials for proof of loss.
  • Leave phone numbers or e-mail where you can be reached when adjuster arrives.
  • Adjuster will assess damages to house. Owner should sign proof of loss statement. Additional damage can be added when found.
  • If looting should occur, report any theft to the police.
  • Protect your property from further damage by making temporary repairs. Save receipts for reimbursement. If your home is uninhabitable, save all receipts relating to your temporary lodging and food.
  • Make a list of damaged articles and provide any other information the adjuster requests to process your claim. Keep a copy for your files.
  • Review the settlement steps outlined in your policy. If you're dissatisfied with the proposed settlement offer, explain your position. If there's a significant difference between what the insurance company offers and what you believe you're entitled to, you may wish to submit the dispute to arbitration.
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