The following steps should be taken to file an insurance claim for flood damage to your home.
Contact your insurance company immediately.
Follow up on your call with a letter detailing the situation. Keep a copy of the letter.
Begin cleanup and salvage as soon as possible. Don't wait for an adjuster, but do take photos before any cleanup for use as an inventory.
Keep damaged materials for proof of loss.
Leave phone contact number where you can be reached when adjuster arrives.
Adjuster will assess damages to home. Check whether any additional items or damage can be added when if found.
Protect your property from further damage by making temporary repairs.
Save receipts for reimbursement. If your home is uninhabitable, save all receipts relating to your temporary renting.
Make a list of damaged articles, and provide any other information the insurance company requests to process your claim.
Prepare a copy of all information required and past same onto the insurance company.
Review the settlement steps outlined in your policy. If you're dissatisfied with the proposed settlement offer, explain your position.
If there's a significant difference between what the insurance company offers and what you believe you're entitled to, you may be able to submit the dispute for independent arbitration.
Some insurance policies may impose time limits such as three; six or nine months check same. Other policies may pay the difference between normal living expenses and the cost of living elsewhere again check all details.