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Fire & Water - Cleanup & Restoration

What Do You Need To Make a Flood Damage Claim?

4/26/2020 (Permalink)

Abandoned buildings were flooded. Flooded property in Boulder, CO

What Do You Need To Make a Flood Damage Claim?

An inundation of floodwater can severely damage a residence in Boulder, CO. Flood insurance coverage such as the policies available through the National Flood Insurance Program and private insurers are necessary to offset the costs of damage cleanup and restoration. All of the following components are essential for making a flood claim.

Flood Insurance Coverage
A flood insurance policy through the NFIP or a private insurer is necessary to file a claim for damage caused by outdoor flooding. Homeowners insurance policies tend to exclude all of the following causes of damage:

  • Backup from outside drains or sewers
  • Heavy rain
  • Overflowing bodies of surface water
  • Over-saturated ground
  • Storm surges

It may be possible to add an endorsement or obtain a rider to cover damage due to water backup. All of these other types of damage are only covered by a separate flood policy.

Documentation of Damage
Homeowners must document the full extent of damage to make a flood claim. Photographs or videos of the aftermath of flooding are sufficient proof. It is then important to take timely measures to mitigate flooding to limit the severity of secondary damage and reduce the risk of mold growth. There is no need to wait until an adjuster can arrive on-site, as this may take a long time when flooding has affected a widespread area.

Assessment by an Adjuster
An adjuster should visit the residence to assess the damage. Once the owner signs a proof of loss statement, an insurance claim can be processed and settled. The limit of the policy will determine the amount of coverage available for cleanup and restoration.
Insurance coverage for flood damage and proof of damage is necessary to make a flood claim. A successful claim can cover most of the cost of cleanup, restoration, and replacement of irreparably damaged building materials and contents at a residence in Boulder, CO.

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