Confirm Mortgage Info

Make sure the mortgage company/lienholder is always up to date. No documentation is necessary to change it if you make the change before a claim. Burdensome paperwork is required if you realize the error after a claim.

Understand Coverage

During a stressful time like a natural disaster, the last thing you want to do is waste time photographing items that aren’t covered. Copies of policies are here.

Residential, Commercial, Condominium Master Policy

Confirm Residency

If your mailing address is different from the insured property, documentation is necessary, usually a driver’s license with an address matching the insured location. If that is not available, other paperwork may be accepted.

Keep a Flood File

Save all receipts in case a future flood happens. You’ll need to prove you made repairs. Sometimes many years later it is difficult. Receipts like Home Depot and Lowes are know for fading over time. Scanning them is recommended as “lost in the flood” is not a valid excuse for missing receipts.

Utilize Technology

Your adjuster works paperlessly. All photos and documentation should be sent electronically. Hard copies are scanned and shredded. Use this Excel spreadsheet to list contents room by room.

Be Proactive

Once you’ve photographed the damage, begin cleaning up immediately. If you have taken all the photos, it does not need to sit until the adjuster sees it in person.

Organized Photos

When photographing building damage, usually a few photos per room is enough. Contents photos should include everything, particularly items over $100. If you take the photos in order, one room at a time, it’s much easier.

Identify It

Be sure to specifically document less common things such as brand names (Pella Doors, Anderson Windows), multiple layers of flooring or walls, or insulation in interior walls, for example.