6 Tips to Collecting Flood Insurance

flood insurance houseThe United States has been hammered with hurricanes and tropic storms, leaving homeowners with cleanup and rebuilding costs reaching into the multi-millions of dollars. And unfortunately, 80% of victims from Hurricane Harvey did not have flood insurance, according to the Consumer Federation of America.

For the 20% that did have flood insurance, the road to repair may not be easy either. Often, insurance claims are challenged by the insurance companies, leading to another crushing blow to already-traumatized homeowners who may think they don’t have options as they scramble to rebuild.

Normal homeowners insurance typically covers only damage from winds, not from flooding. For flood insurance in flood-prone areas called Special Flood Hazard Zones, a separate policy is needed, often acquired by homeowners in these areas with federally-backed mortgages through the federally-run National Flood Insurance Program.

Water damage, acquired through a damaged roof or blown-out window is generally covered. But if the water enters the home from groundwater flooding through floorboards or walls, coverage does not apply. And flooding can occur anywhere, not just in the Special Flood Hazard Zones, but only about 12% of homeowners nationwide have flood insurance.

Tips for Collecting Flood Insurance Payments

  1. Contact your insurance company immediately. Ask when their insurance adjuster will contact you. It could take between a week and six months, and an adjuster visit will need to occur after the water recedes.
  2. Document your loss before and after. Before any problem occurs, document your home and belongings with photographs and video. This will serve as supporting documentation, along with a list of damaged items that includes the purchase date and approximate value and receipts. Document the aftermath of your loss with photographs and video as well.
  3. Keep records of spending. You will need to make some sort of immediate repairs to your home, so keep receipts and records of anything you purchase, as well as those for hotels and meals if you are forced out of your home. Some homeowners policies may include “living expenses” for emergencies.
  4. Don’t throw anything out right away. Insurance company adjusters may need to physically see the damage in order to document your claim. If you are required to dispose of items for municipally-mandated safety reasons, take photographs.
  5. Document all conversations. Keep a log of all conversations, including who you talked with at the insurance company, the date and time, and the issues you discussed.
  6. Ask about text alerts. Many insurance companies will enroll you in text alerts to update you on the status of your claim and payments.

You Have an Advocate on Your Side with Först Consulting

If you think you have a claim dispute with your insurance company, contact Först Consulting Group. We are experienced homeowner advocates and can help you document your claim, support your position, and provide expert testimony and litigation support in the event that your claim needs to go to court.

You don’t have to fight the insurance companies on your own, when you have Först on your side. We work with homeowners in Northern Virginia, Washington, D.C., and nationwide. Contact us today.

0
Comments
  1. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Kudos. A good amount of postings!

    viagra dosage canada postmarketing safety of sildenafil citrate viagra
    viagra for sale uk
    viagra pharmacies – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  2. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Thanks! I value this.

    target viagra cost jimmy kimel viagra for women video
    generic viagra 100mg
    brand viagra without prescription – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  3. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Thanks a lot. Helpful information!

    urethral administration viagra viagra angeles philippines
    generic viagra online
    viagra on women – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  4. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Thanks, I value this!

    viagra a 30 euros viagra demonstrate
    cheap viagra
    viagra subsitute – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  5. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Thanks a lot! Lots of facts.

    sex and viagra viagra im ausland kaufen
    buy viagra online
    viagra nascar emblem – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  6. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Truly plenty of useful material.

    non prescription type viagra female viagra virginia
    viagra online
    effect of viagra on women – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  7. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Whoa plenty of fantastic advice!

    clonazepam and viagra subaction showcomments viagra optional watch
    generic viagra online
    viagra and antidepressants – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  8. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Wow all kinds of helpful advice!

    cheapest viagra uk cheap viagra price shopper
    buy generic viagra
    generic viagra in united states – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  9. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Thanks a lot! I like this.

    viagra mexco buy viagra in las vegas
    buy viagra online
    viagra in mexico for sale – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  10. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Really plenty of excellent knowledge!

    long term side effects from viagra viagra office ontario canada
    viagra 100mg
    viagra paypal – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  11. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Good facts. Thank you!

    phentermine tramadol viagra viagra fast delivery
    buy viagra
    porn viagra cialis – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  12. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Awesome stuff. Regards.

    get generic viagra online viagra home recipe
    viagra for women
    purchase viagra online – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  13. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You have made your point!

    25 mg viagra viagra texas
    viagra for sale uk
    dangers of viagra mayo clinic – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  14. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You mentioned it well.

    viagra k find search pages edinburgh viagra for cheap
    viagra for sale uk
    problems with viagra – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  15. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Awesome advice. Appreciate it!

    viagra 36 hour viagra bumper stickers
    generic viagra
    purchasing 50 mg viagra on line – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  16. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Amazing stuff. Thank you!

    cnn next day delivery viagra ad viagra news edinburgh tid moo search
    buy viagra online
    is viagra relly needed doctors adventures – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  17. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You actually reported this adequately!

    viagra experiences users viagra studies women
    buy viagra
    viagra health effects – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  18. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Incredible loads of awesome material!

    viagra chemical name viagra rubbish
    viagra without a doctor prescription
    subaction showcomments viagra archive blog – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  19. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You actually stated that very well.

    chicago viagra men using viagra
    viagra generic
    russia buy viagra – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  20. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Thank you! A lot of postings.

    viagra dealers viagra efectos
    viagra online
    overdose viagra died – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  21. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You definitely made your point!

    limbaugh quatemala viagra buy viagra from india
    viagra online
    is viagra harmful to women – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  22. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Tips clearly applied.!

    wallgreens viagra cost viagra paxil lasting
    viagra for women
    viagra lawsuits won in 2010 – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  23. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Many thanks! I enjoy it.

    powdered viagra soma viagra interaction
    generic viagra
    sex pil viagra – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  24. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Truly tons of superb knowledge!

    veterans administrations formulary viagra charles linskaill find viagra free
    generic viagra 100mg
    stories viagra porn photos – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  25. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Wow a lot of excellent info.

    ginko biloba viagra viagra benefits side effects
    buy generic viagra
    viagra online a href – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  26. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Point certainly taken..

    viagra boosts post cuddle chemical generic viagra canada wholesale
    viagra generic
    buying viagra online – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  27. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Terrific data. Appreciate it.

    viagra lawsuit update august 2010 viagra joint problems
    buy viagra
    why women shouldnt take viagra – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  28. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Really all kinds of beneficial advice.

    does phizer make a generic viagra viagra disability
    generic viagra 100mg
    aaa and viagra – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  29. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You actually expressed it superbly.

    taladafil versus viagra when does viagra patent end
    viagra without a doctors prescription
    amazon monavie viagra – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  30. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Superb stuff, Thanks.

    review cialis levitra viagra viagra add url
    cheap viagra
    viagra orders – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  31. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Thank you! Numerous knowledge.

    cialis viagra levitra trusted pharmacy catalog men who take viagra
    generic viagra online
    pornstars viagra flushing – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  32. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Kudos! Numerous data.

    cheapest prices on viagra find search viagra pages edinburgh
    viagra without a doctor prescription
    girl viagra – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  33. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Info clearly applied.!

    case study viagra what exactly does viagra do
    viagra online
    viagra analy – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  34. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Whoa lots of beneficial tips.

    hamster viagra jokes watermellon an viagra
    viagra without a doctors prescription
    poor mans viagra – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  35. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Regards! I enjoy it!

    limbaugh quatemala viagra do men get hard with viagra
    generic viagra 100mg
    viagra max complaints – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  36. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Truly loads of very good advice.

    viagra stories real people’s experiences viagra prescription canada
    generic viagra 100mg
    female viagra review – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  37. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Incredible quite a lot of great knowledge.

    combining viagra and regalis pharmacy india viagra cialis
    cheap viagra
    viagra wont work – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  38. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You said it nicely.!

    hight inr level and viagra viagra ordering phone number
    viagra without a doctors prescription
    cialis online compare discount viagra – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  39. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Very good write ups, Thanks!

    discount viagra tm viagra use reports
    generic viagra
    real viagra overnight – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  40. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Lovely posts, With thanks!

    flushed face viagra aaa and viagra
    viagra 100mg
    viagra sex video free – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  41. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Really all kinds of excellent information!

    where are best prices for viagra viagra natural substitute
    generic viagra online
    herbal equivalent of viagra – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  42. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You said it perfectly.!

    viagra causes deafness police open viagra order
    viagra without a doctors prescription
    ed treatments when viagra doesn’t work – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  43. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Awesome content, With thanks!

    viagra in britain generic viagra meltabs drug
    generic viagra 100mg
    purchase generic viagra online – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  44. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Cheers. A lot of data.

    review of generic viagra female sex viagra
    viagra 100mg
    buy overseas viagra – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  45. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Nicely put, Thanks a lot!

    perscrition viagra other products like viagra
    buy viagra
    viagra target – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  46. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Wonderful facts. Kudos!

    speed of viagra cialis viagra cost comparasin
    viagra pills
    viagra atheletes – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  47. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Kudos. Plenty of information!

    compare prices viagra generic 100mg what works bettter levitra or viagra
    buy viagra
    over the conter viagra – https://genericviagrantx.com

    KeithDAH
    Richardjic
    ErnestoEvist

  48. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Nicely put. Thanks.

    effects of viagra on normal males buy generic viagra off the shelf
    viagra 100mg
    suppliers of viagra in uk – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  49. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Really all kinds of useful data.

    american viagra purchase viagra soft tabs
    viagra 100mg
    viagra cialis store – https://genericviagrarcp.com

    KeithDAH
    Richardjic
    ErnestoEvist

  50. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Nicely put, Thanks a lot!

    comparison cialis levitra viagra viagra libre suisse
    viagra generic
    non-prescription viagra – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

  51. ErnestoEvist says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Thanks a lot! Good information.

    viagra heart disease who benefits from viagra
    viagra generic
    thailand town viagra speed deaths – https://genericviagramsl.com

    KeithDAH
    Richardjic
    ErnestoEvist

Leave a Reply