The claims process can be quite daunting. It’s not something we do everyday. To help you understand it a little better, I’ve put together a brief synopsis of the process from start to finish. If you have any questions, please don’t hesitate to contact me.
Assign
Once you have filed your claim, the insurance company will assign it to me. Within 24-72 hours I will be contacting you to set up an inspection date and time.
Clean
There is no need to wait for me to arrive to begin cleaning up. Clean up needs to start immediately. Take plenty of photos and start removing flood-damaged items such as flooring and contents. Remember: Take plenty of pictures. See FEMA Memo W-16061.
Inspect
When I arrive at your home, I do a thorough inspection; looking for and documenting the damage(s). Since you know your home better than I do, I’ll ask you to do a quick walk-around of the property to show me damage you have found. The amount of damage will determine how long the inspection will take. If you have a contractor, it’s a good idea that he or she be present at the time of inspection.
Review
When I’m done with the inspection, I’ll go over what I’ve found with you and/or your contractor. I’ll explain what’s covered and what might not be covered and answer any questions you may have.
Compile
While you’re are compiling your list of damaged contents, I’ll be working on your estimate. Once I receive your Contents List, I’ll submit your claim for review. When I’m done with the inspection, I’ll go over what I’ve found with you and/or your contractor. I’ll explain what’s covered and what might not be covered and answer any questions you may have.
Payment
Once your claim is reviewed, I’ll send you a copy of the estimate along with some other forms that you will need to sign and return to me. Once I receive the signed Proof(s) of Loss and Final Report, I will submit your claim for the final review and payment. Once I submit it, my part in the claims process is over. If you have any questions about your payment, call your insurance company directly. I don’t have access to the payment process.
Contact
If you have any questions at any time, please don’t hesitate to contact me.