The recent floods in the United Kingdom have left many households without a home due to flood damage. In recent years, the unusually high amounts of precipitation that have fallen in the summer months have caused a lot of inconvenience. In some cases, an entire month’s rainfall fell in just one day, causing severe damage as riverbanks broke and settlements were flooded.
After such a traumatic experience, the unfortunate individuals must try to pick up the pieces and rebuild their lives. The first port of call will generally be the daunting task of approaching the insurance company and filing an insurance claim. This requires them to provide relevant documents, which may have been destroyed by the flood. However, all is not lost.
Here are some tips for claiming home insurance reimbursement:
Be sure to make an organized list of all items that have been damaged. This can be lost or damaged items in the property, but also any structural damage to the property itself.
It is very important to try to keep a photographic record that can be referenced with your full list of damages. The more comprehensive and detailed you can provide, the more likely you are to receive a better payment from your insurance company.
It is also recommended to keep the damaged items if possible as they may be needed for review. Additionally, being able to provide documents that show proof of purchase, such as receipts, bank statements, or credit card bills, can be critical to your claim.
If any of your supporting documents, such as title deeds, insurance papers or IDs, have been lost or damaged during the floods, you can always request additional copies from relevant providers. Home insurance companies generally give you 180 days to provide all the details. Take as much time as you need and make sure you have added as much information as possible for the insurance company to do their job.
Do not forget to constantly keep track of all additional costs incurred. This includes everything from having to pay for temporary accommodation, buying new clothes, to any costs associated with purchasing additional paperwork. Many building insurance companies offer alternative accommodation as a standard part of a flood policy. It is always important to double check what you are covered before taking any action to make sure you are not short of money after this traumatic experience.
Flood damage is never easy to deal with when it can generally cause such serious damage to our homes, but this guide should help you take the right steps to overcome this difficult time.