Many Florida homeowners submit homeowner’s insurance claims after their properties flood only to receive denials in response. Insurance companies deny claims for all kinds of reasons. While some of the denials have merit, others may not. Your chances of achieving a favorable outcome after filing a homeowner’s insurance claim may improve if you submit complete and thorough documentation of the flood damage when making the claim.
How might you go about documenting flood damage for your insurance company? Per the National Flood Insurance Program, you should take the following steps when documenting flood damage.
Take numerous photos and videos
As a general rule, when documenting damage, the more thorough you are, the better. Make sure to photograph and record any damage to the inside or outside of your home. Make sure to also photograph or record any specific items or assets that suffered damage in the flood. It is also wise to snap inside closets, cabinets and other places where water damage may be present.
Whenever possible, turn over receipts relating to the damage to your homeowner’s insurance provider. This may help determine how much they give you to cover the damage.
Document serial numbers for damaged items
It is also advisable that you photograph the serial numbers on any appliances that suffered damage during the flood, such as washing machines, dishwashers and so on.
Once you document damage thoroughly, throw away any items that may present health or mold risks. Most insurance companies are not going to cover mold damage, so it is important to take steps to mitigate potentially harmful mold growth as soon as possible.