Here are some important tips on navigating your insurance after flooding!
1. Call your company as soon as you can once you access your home. Document all conversations you have with your insurance company.
2. Take pictures of your damage and secure problems so that no further damage occurs. Securing your property is important as insurance companies do not want to see $5,000 claims turn into $10,000 claims! DO NOT make permanent repairs though until your carrier says you can!
3. Keep all receipts and financial records you incur during cleanup.
4. Avoid contractor scams. Be sure to get more than 1 bid and ask for references. Ask for proof of licenses, building permits, insurance and bonding. Never pay up front for the entire job.
5. Flood damage to your vehicle is covered under auto insurance if you have comprehensive coverage!
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