Many people are surprised to learn what protection that their homeowner's insurance
policy may or may not cover. Although your homeowner's policy may not cover flood
damage to your home, it may offer some protection from other losses due to natural
disasters. Loss due to flooding, however, is generally not covered under homeowner's
- Call your insurance adjuster immediately. Take pictures to document the extent of
damage. It's important to follow up on your call with a letter detailing any problems.
Keep a copy of that letter.
- If your home is unlivable, the Red Cross gives assistance, depending on the availability
of funds, for immediate building repairs and living expenses when no other immediate
assistance is available.
- Protect your property from further damage by making temporary repairs. Save receipts
for reimbursement, including saving receipts relating to temporary lodging and food.
Photographs, books and important papers can be frozen and cleaned later. Wash the
mud off and store the articles in plastic bags, put them in a frost-free freezer
to protect from mildew and further damage until you have time to thaw and clean
- Begin cleanup and salvage as soon as the adjuster authorizes it. Keep any damaged
materials or goods for proof of loss and prepare a list of all damaged articles.
Keep a copy of all information given or delivered to the insurance company. Additional
damages can be added if found later on. Leave a phone number where you can be reached,
when needed, by the adjuster.
- There may be loans or financial assistance programs available to you. Check with
local assistance offices for help.
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