Here are some of the steps that you should take if your home sustains flood damages.
Unfortunately, a flood event is one of the most expensive and devastating disasters that a homeowner can face. If your home has sustained flood damage, getting things back in order is probably your main priority. Here are some of the steps you should take to recover after your home has been affected by a flood.
If there is standing water in your home, you’ll need to get this drained before you can assess your home’s damages. While some damages like mold and ruined appliances are obvious, other issues may not be easily identifiable. This is why you should bring in a professional contractor to assess the extent of your home’s damage. For instance, they should look for issues such as a cracked foundation, soaked insulation, weak drywall, compromised electrical systems, and so on.
Once you understand the extent of your home’s damages, you should take steps to document it. For instance, you should go around your home taking pictures and videos of your home’s damage. This documentation will be useful during your claims process and will help you keep track of the repairs that you need to take care of.
Contact Your Insurance Provider
It’s important to understand that standard homeowners insurance will not offer coverage for flood damages. The only way to secure this coverage is by purchasing a separate flood policy for your home. If you don’t have a flood policy, you will have to cover your repairs on your own. All homeowners (particularly those living in areas with a history of flooding) are encouraged to secure a flood insurance policy. If you do have a policy in place, you’ll need to contact your insurance provider and report your damages as soon as possible. From there, your agent will walk you through the claims process.
These are some of the steps that you should take to deal with flood damage to your home. Are you looking for assistance with your home’s insurance coverage? If so, contact the experts at East End Insurance Agency. We are ready to help you with your personal coverage needs today.