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Insurance Information
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 insurance policies.

Tips:

  • 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 them.

  • 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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