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Fire & Water - Cleanup & Restoration

What To Do After a Flood and Before the Insurance Adjuster Arrives

7/9/2019 (Permalink)

Flooded home caused by storm waters in Glendale, AZ

After a flood in Glendale, AZ, you may need to make a claim on your flood insurance. While it is important to alert your insurance company after a storm, you may not want to wait for an adjuster to visit your property before beginning repairs.

Why You Should Address Water Damage Immediately

There are several reasons to begin water damage remediation sooner rather than later:

When a storm has caused damage over a large area, the insurance adjusters are likely to be booked for quite some time.
Allowing flood water to sit increases the likelihood of additional damage, such as warping. The more extensive the damage, the more likely the items will have to be replaced rather than repaired.
Mold can begin to grow within 24 hours of a flood. After mold damage sets in, it can spread very quickly. This poses risks not only to your property, but to the health of those living or working in the home.
Insurance companies will generally accept photographic evidence of damage for a flood insurance claim. It is not necessary for an adjuster to see the damage in person, but your claim may be processed more quickly if you have thorough documentation.

How To Document Damage Properly

The first step in damage documentation is taking photos or video. Make sure to date these materials. Additionally, make a list of all damaged possessions. Try to locate receipts for items like appliances and electronics. Also, keep receipts of everything you purchase while repairing the flood damage. If it is necessary to replace carpeting or other fabrics, try to keep a portion of the damaged material to show the adjuster.
Flood insurance is very helpful in paying for repairs after a storm, but it is important to address water damage as soon as possible to prevent further damage. A professional restoration team can make sure the job is done correctly and safely.

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