After a flood - making an insurance claim 923
by Admin
Posted on 16-06-2023 12:47 PM
Different insurance policies provide different levels of cover. Read your insurance documents to check what is covered before you talk to your insurance
company
. You may be able to get:
flood damaged items replaced
professional help to clean up
temporary alternative accommodation if you need to move out while your home is being repaired
your insurance policy will include an excess amount.
This is the amount you must pay before the company pays a claim for damage.
The chaos and clear-up after a storm can cause nightmares for homeowners, be it from flooding to serious property damage or even just a few tiles falling from the roof. Claims ireland has listed out key tips on what to do before and after a storm, and how to make an insurance claim if your home and its belongings are badly damaged. What should i do before a storm arrives? first things first - make sure you have easy access to up-to-date emergency phone numbers as you may need to act quickly to sort the problem. Also, make sure your mobile phone is fully charged as a communication back up in case a landline is cut.
Unexpected flood or water damage to your property can be a very stressful and upsetting experience. It can lead to a lot of confusion and uncertainty about how you should proceed with your flood damage claim. Insurance companies are renowned for making this process confusing, as they often expect you to know exactly what to do to submit your water damage claim. At balcombes claims management we are here to help you to process your flood damage claim. When you engage us we will act immediately to start the process. Moisture meter we will assess the water damage and record all relevant details.
The bad news is, accidents happen and sometimes your floors and ceilings suffer for it. The good news is, your home insurance will cover these floods if you or your kids left the taps running. Home insurers consider taps left on as flood damage, just like cases of natural flooding , even though you might personally feel guilty. If your overflowing bathtub or sink is a result of negligence on your part, your insurance will cover you just like if it happened because of mechanical failure. After all, we’re all human. If the tap’s only been running for a few minutes, your structure and possessions may be fine and a couple of hours with the mop will prevent having to make a claim.
Check your home insurance policy
For general information on what you need to think about when making a claim on your insurance, read about making a claim on your insurance policy. There are steps you can take to help with your claim for flood damage:
take photos of any damage to the structure of your property and its contents
write a detailed inventory - make a list of your home contents if you haven’t already
take a note of the reading on your electricity meter so you can claim back the running costs of commercial dryers
phone your insurer to start your claim as soon as possible - there are usually time limits.
If you purchased flood insurance through an allstate agency, call 1-800-54-storm to start your claim, or fill out a flood loss claim report online. Use the flood loss claim report if: you have a policy through the national flood insurance program (nfip). You’ve experienced damage to your home due to a flood in your area.