Keep Insurance in Mind for Flood Damage in Miami

8/12/2018 (Permalink)

Flooding and storms can cause a great deal of damage to your home. Contact SERVPRO right after the event for drying out and remediation services.

Team SERVPRO can Work with Your Insurance Company to Remediate Your Home After Flooding

One of the most important considerations to keep in mind after flood damage in Miami is your insurance information and policies. Depending on your provider, plan, and specific types of coverage, you could have full coverage and more for any damages sustained in the storm, or could also receive next to nothing. SERVPRO representatives can help to negotiate favorable terms with insurance adjusters and drive costs down, but some of your actions can also prove critical to keeping flood-related expenses to a minimum.

Call Your Provider Immediately
If you have not already done so, you should call your insurance provider as soon as possible after sustaining flood damage to your Miami home. Some providers have specific plans and policies in place that can both help you if they are notified promptly and prove harmful if you delay a call to them. Many companies also have preferences and recommendations as to what mitigation and restoration services you should employ. While SERVPRO tops most reputable providers' lists, you should never assume anything about what your insurance provider may tell you.

Make Sure Your Plan Covers the Damages
While some homeowners' insurance policies cover the effects of flood damage in part or in full, others may offer flood damage coverage exclusively in separate or bundled packages. If you are unsure of whether or not your home is covered by flood insurance, you need to find this critical information out without delay. Furthermore, if you do know that your home is covered, you should also inquire whether the coverage is partial or full.

Provide Us with Inventory Information
If you have a current item inventory available, or even an outdated list, be sure to provide SERVPRO with this document early on in our mitigation and restoration process. With a full item inventory on hand, we can compare your belongings before and after the disaster to more closely estimate how much you have lost. We relay this information directly to your insurance provider to keep paperwork and legal issues for you to a minimum.

SERVPRO of Cutler Bay is a local authority on flood damage mitigation and restoration procedures. If you have any additional inquiries or require our services for any reason, contact us at (305) 278-8484.

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