There is nothing worse than experiencing a storm that takes nearly everything and not knowing what to do next. The agents at Versatile Insurance Planners can help you get through what may be one of the worst days of your life. Read on to learn what you should do when you need to file a claim for flood insurance coverage.

Step 1: Notify your insurer

Your insurance company has no way of knowing that you have suffered a loss due to flooding. You need to contact them so that you can get started with processing a claim. You should have the following information when contacting your insurer:

• Your policy number

• A telephone number or email address where they can reach you for further information

There are instances where everything, including your insurance papers with the policy numbers, is destroyed. You should still contact your insurer as a skilled agent in San Antonio TX can retrieve your information and determine the best way to help you file a claim.

Step 2: Write down the damage

Your insurer has no way of knowing how much damage the storm and subsequent flooding caused. You must, therefore, document the damage by taking note of the property that was damaged. It is best to make a list of personal as well as structural property damage so that you are not trying to think off the top of your head when asked about the items that you lost.

Pictures are also helpful in this instance. A photo can articulate what you may not be able to put into words. Many homeowners in San Antonio, TX take pictures of damaged property before making a list of things that need to be repaired or replaced.

Step 3: Submit a Proof of Loss form

Most insurance companies will not issue a check to close out a claim without the Proof of Loss form. This document is important because it is your sworn statement that stipulates the amount that you are claiming to have lost in the storm. Your form must have specific details that directly tie the amount that you are claiming to the actual value of the items or structure damaged. Insurance companies usually require that you file your Proof of Loss form within 60 days of the event.

A storm that ruins nearly everything that you love is devastating. Let the agents at Versatile Insurance Planners help you find the flood insurance plan that works best for your situation.