Fall 2012- If your coastal New Jersey home has been damaged by Hurricane Sandy, you are probably facing lots of questions. Connelly-Campion-Wright Insurance is here to help, so take a look at what to do after a flood and tips for settling insurance claims after a disaster.
These are the top 4 steps you need to take NOW...followed by steps to ease the claims process.
1. Don't worry about filing a claim right away if you cannot get through to your insurance carrier.
2. Start the clean up now.
3. Use our Clients Helping Clients network of trusted contractors to assist in the rebuilding and recovery process.
4. Make a FEMA claim
- Photograph the floodwater in your home, as well as damaged items and structural damage to your home itself.
- Start making a list of damaged or destroyed items. If you have purchase dates and receipts for the items, collect those as well.
- You may need to discard some items ruined in a flood for health or safety reasons. If it is necessary to discard the items right away, take photos for later reference.
- Contact your insurance carrier to file a storm damage claim - view our list of 24-Hour Claims Service Contacts.
- After carefully documenting damage to your home, start rebuilding and repairing anything necessary to prevent further damage.
- Remember, if the repairs are to prevent further damage to your home or business, you don't need insurance authorization to start- in fact, you are obligated to do so if you are able.
Your insurance adjuster will provide you with a Proof of Loss form that will be your official claim for damages. This must be filed with your insurance company within 60 days of the flood, so make sure to fill it out thoroughly and promptly.
If you are a client of our New Jersey independent insurance agency and need help with your Hurricane Sandy business or homeowners insurance claims, please contact us at firstname.lastname@example.org.
Sources: FloodSmart.gov- After a Flood, File Your Claim, Photo: Flickr