When you have a water or mold problem, dealing with your insurance company is probably the last thing you want to do, but sometimes, it is necessary. We have some tips on how to deal with your insurance company, should you need to call due to problems in the home.
Make sure you have flood insurance. When you buy homeowners insurance in a flood prone area like Fort Myers, flood insurance is usually extra. Check your policy to make sure that this essential coverage is added on there because you don’t want to be up a creek – literally and figuratively when the inevitable flood strikes your home.
When talking to your insurance company, call a spade a spade. If you have water damage, don’t say the word flood or flooding, and if you’ve experienced flood damage, don’t say water damage. The two are very different things in the insurance world and your choice of words could affect your overall payout.
Place your policies in a safe place, where flood waters won’t reach them. If you believe your home could be flooded, place your insurance policies up high, and before the next big storm, bring them with you if you plan to leave your home, and keep them on your person whether or not you’re leaving or you’re going to ride it out. At the very least store them in ziplock bags or special waterproof document holders.
Call your insurance company right away. Whether you’ve got water damage or flooding, call your insurance company as soon as possible, especially in case of emergency, because your insurance company may be able to send out emergency aid such as someone with a pump or other services that can help avoid long term mold and water damage.
Take photos. Survey the damage and take photos of everything because you’re going to be cleaning up the evidence of the damage that your insurance company will want to see when they are processing your claim, which can be a slow process.
However, when you work with us here at iMold, you actually don’t have to worry much about how to deal with insurance companies! When your mold remediation or water damage repair is covered by your insurance, we will work directly with your insurance company so you don’t have to. We have experts who know how to try and get you the maximum benefit from your policy, so, leave it to us.
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