Damage to your home caused by flood waters is typically not covered by your homeowner’s policy. You'll need a flood insurance policy through NFIP or other sources to have coverage. Speak with your independent agent about your coverage options to make sure you are protected if a flood occurs. If you do experience a flood, here are some of the ways you can recover following a flood that damages your home:
- Clean up: Health should be a top priority while repairing the home after a flood. Wear gloves and take caution before entering the home in case of mold and bacteria..
- Repair: The Insurance Information Institute - a research firm devoted to insurance - recommends thoroughly inspecting the home once it is safe to re-enter, looking to identify potential fire hazards, damage to the foundation, mold, and other major threats to safety.
- Rebuilding: The American Red Cross - a humanitarian organization - and the Federal Emergency Management Agency - a government entity devoted to emergency response - strongly urge homeowners to seek out assistance for more significant rebuilding projects, ensuring qualified professionals handle the task.
- Track progress: Take photographs, track all spending on repairs, and diligently log every item to help ensure you are prepared to file a claim.