· Check for damage. Check for structural damage before re-entering your home. Don’t enter if there is a chance that the building may collapse.
· Call your agent who handles your flood insurance to file a claim. Have the following information with you when you place your call: (1) the name of your insurance company (your agent may write policies for more than one company); (2) your policy number; and (3) a telephone number/e-mail address where you can be reached.
· Avoid open flame.
. Don’t use matches, cigarette lighters or other open flames if gas could be trapped inside. If you smell gas or hear hissing, open a window, leave and call the gas company.
· Keep power off until an electrician has inspected your system for safety.
· Check for sewage and water line damage. If you suspect damage, avoid using the toilets and the tap and call a plumber.
· Throw away water-damaged food includ
e canned goods that have come in contact with floodwaters.
· Check if water is safe to drink. Until local authorities declare the water supply safe, boil water for drinking and food preparation.
· Take photos. To make filing your claim easier, take photos of any water in the house and damaged personal property. If necessary, place these items outside the home. Your adjustor will need evidence of the damage and damaged items (i.e.: cut swatches from carpeting, curtains, chairs) to prepare your repair estimate.
· Make a list of damaged or lost items and include their age and value where possible. If possible, have receipts for those lost items available for the adjuster. Law officials may require the disposal of damaged items. If so, keep a swatch or other sample of the item(s) for the adjuster.
· Restore water-damaged books, heirlooms and photographs with tips from http://www.fema.gov/hazards/floods/coping.shtm.
The National Flood Insurance Program (NFIP) is the flood insurance coverage and floodplain management program administered by the Department of Homeland Security’s Federal Emergency Management Agency (FEMA). NFIP provides affordable, federally backed flood insurance to homeowners, business owners, and renters in participating communities in all 50 states and territories.