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Need a little more stress in your life? Probably not. So, when a stressful event like water damage in your home occurs, one way you can ratchet down the tension is to use the best possible approach to handling the aftermath. I can’t emphasize enough the importance of preparing a home inventory and storing it on the cloud, in case your computer gets flooded too. Know what your insurance policy limits are and if your home is flooded and be sure to take protective steps to make sure your home doesn't sustain further damage.

Remember, no standard homeowner insurance policy covers flood. Take lots of photos. In the smart phone age, this one is easier than ever. Document the damage carefully, as well as your efforts to reduce the loss. You should expect the insurance adjuster to take plenty of pictures as well, and if he doesn’t, ask why. Even better, if these “after” photos can be compared to “before” photos from the photographic home inventory you took, it will strengthen your claim. When purchasing items for your home, try to keep receipts (scanned to the cloud) if there's any disputes over how much something was damaged or what shape it was in before the incident. If in doubt, shoot a picture. Also, keep detailed records of what you spend from the time when you evacuate to when you return home.

So in conclusion, document as much as you can before and after a flood claim and you should have a “stress free” claim payment.

Posted 12:56 PM

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