How to Document Your Property for Flood Insurance Claims Before a Storm Hits

Without proper documentation, a flood insurance claim can drag on for a long time, and you may receive far less of a payout than expected. Gaps in your records can give insurers fewer details to work with, and that uncertainty may work against you when settlement time arrives. Building a solid paper trail before a storm can make a significant difference when you need to file a claim.

Building Your Home Inventory

Walk through your home and list everything of value. Pictures and video documentation can be effective because they can capture the context and conditions of your belongings. For each item, note:

• The make, model and serial number
• The approximate purchase date and price paid
• The current condition of the item
• Any receipts, manuals or warranty cards you have on file

Gathering the Necessary Documents

Beyond your belongings, pull together the paperwork tied to your home and your policy. This includes your deed or mortgage documents, your current flood insurance policy declarations page, and any appraisals or professional valuations for high-value items. Photographs of your home’s exterior and interior, taken before any damage occurs, are also worth keeping on hand.

Secure Storage for Your Records

Store electronic versions of your documents online and keep hard copies in a waterproof, portable container you can take with you when evacuating. You can email a copy to a trusted family member as a backup.

Get the Right Coverage

Flood losses can strain your budget for years. Getting your documentation in order can financially protect the investment you’ve made in your home. Contact Fassbender Insurance Agency to review your current flood coverage or request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.