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Flood Claim Tips

As our region continues to undergo some of the worst flooding we’ve seen in years we thought we’d provide these important flood claim tips for the benefit of our policyholders:

  • Call your Yennie & Jones agent as soon as you realize you will need to submit a claim
  • Check for structural damage before entering
  • Don’t dry anything that will have to be removed (carpet, drywall, insulation)
  • Take photos, save all receipts and track your time spent cleaning.
  • Make a list of damaged personal property
  • If property is removed (contents, drywall, carpet, carpet pad), keep it on the premises until released by a claims adjuster
  • We have included the Flood Claims Handbook to assist you in answering questions.

If you haven’t reviewed your insurance protection recently this is a good time to make sure that you have adequate coverage.  Remember that your homeowners or business owners policies do not cover ‘flood’ and a separate policy must be in place.

These flood claims tips also apply to some other water situations including:

  • Water backup or sump pump failure which may be covered if you have elected to include it on your home or business policy
  • Burst pipe claims which are covered on most property policies for occupied, heated structures
  • Groundwater runoff entering the premises which is caused by landscaping issues
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