Are you aware of the flood restoration processes that your insurance policy covers? Review some basic information that will guide you in addressing the aftermath of a flood.
Flood Insurance Coverage
Residential flood coverage protects the land that you own. It also protects any insured structures on the land. You may have decided to insure your home, detached structures, and landscaping materials. Any items that are listed in your policy will be eligible for restoration services.
Your insurance policy will highlight the cap amount that your residential flood insurance policy covers. The restoration materials that are needed must not exceed this amount. If the expenses are higher than your policy’s coverage, you are responsible for paying the excess costs.
Flood Restoration Services
After flooding occurs, you will need to file an insurance claim. The claim approval process may take some time. If your claim is approved, you will find out which restoration services are available.
Removing standing water is one of the first restoration processes to be completed. Removing the standing water will allow the restoration team to access your property safely. Decontamination steps will be conducted. These steps will eliminate germs from surfaces that come into contact with rising water.
A team of flood restoration specialists will use cleaning and drying techniques to restore the condition of surfaces affected by the flood. At the end of the restoration project, your property and home will be inspected.
A Consultation About Flood Coverage
Would you like more information about flood coverage and restoration services? Contact one of our agents at Worthington Carroll Agency. An agent serving Port Jervis, NY, can discuss any inquiries you have about your flood insurance policy.
