Crucial Information You Need To Give Your Insurers When You Have A Flood
With flood warnings around the country, it is important that you know what to do if the worst should happen. If you have a up to date insurance policy, you ought to check to see whether it covers flood claims. If it does not, it is worth upgrading your policy. When there is a flood, it can devastate your entire life. If you don't have the right level of protection, you might struggle to pay for the changes to your home. Once you have the right policy in place, you need to know what information you will need to give your insurers when there is a flood.
Provide evidence of the damages
The first thing that you need to remember is that you will need evidence of the damages. It might not be the first thing on your mind, but if you happen to have a camera handy, you should take some quick snaps. You will need to provide these as evidence so make sure that you get as many as possible. It is no myth that the right supporting evidence will help your claim. The more photos you have, the easier it will be for your insurers to award you the right compensation.
Get an accurate police report
Of course, the police and fire services will have to come and visit you when there is a flood. They may give you an individual reference number so that you can contact them about the case. Much of the time, they will assess the damages and tell you what the issue is. You can use their report as extra evidence for the insurance agency. You should get a signed document that you can use at a later date. That way, there should be no dispute over the status of the inquiry.
Information from the repair agency
When you call an agency to repair the damages, you need to make sure that you put them straight in touch with your insurers. Most water damage experts tend to work with insurance agencies on a regular basis. If your policy covers the damages, you will find that the agency pays for the cost of the repairs. You might have to pay a small excess fee in exchange for this service, but you will find that it is tiny when you compare it to the full cost. Talk the repair agency through every bit of damage in your home. If you give them all the right information, they will get to work straight away.
The total cost of the damages
If you don't put the agency in touch with your insurer, you might have to act as the middleman. That means that you will need to pay the price for the repairs and pass the bill to your agency. If you have a document or a receipt, you can give this to your insurance provider as evidence. They will reimburse you for any fees that you have had to pay.
Any other inconveniences
You should also keep track of any inconveniences this issue has caused you. If you have to pay for a hotel room while the experts fix your home, you need to keep a log of that. You can charge this expense to your insurance company sometimes, and so you need to check your individual policy. If you find that your insurer covers these extras, you will not have to lose any money as a result of the disaster.
When your home floods, your first instinct will be to panic. It is crucial that you keep a level head so that you can contact the right people and give them accurate information. Keep that in mind if you should have a home disaster.
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