St. Louis, Missouri Homeowners, Do You Have Flood Insurance?
Posted on October 30th, 2012 by Zane Cagle
As Hurricane Sandy beats down on the Northeast, many homeowners are displaced, waiting for the storm to clear to begin rebuilding damaged homes. This will inevitably mean hours of time spent with an insurance adjuster. Many of these people may be in for a rude awakening, however, when they realize that homeowner’s insurance does not cover for flooding. That requires a separate policy, administered by the Federal Emergency Management Agency. Now may be a good time to check your homeowner’s policy and, if it excludes flooding, look into getting a separate policy. A friend and collegue of mine, Michael Brandner in New Orleans, Louisiana has worked with numerous clients in the wake of national disaster huricane’s such as Katrina. Visit his blog on helpful tips that are not limited to Louisiana residents, but are helpful tips for Missouri and Illinois homeowners.
In Missouri, Illinois, and Kentucky, hurricanes are fortunately something we won’t have to deal with. But as many of us remember from the Great Flood of ’93, the rivers and creeks that run through our states can swell and cause serious damage. That flood caused over $15 billion in damages to homes, crops, infrastructure, and loss of commerce. Without insurance, many people would have simply been unable to rebuild. If you do not have flood insurance, now is certainly the time to look into getting it. There is a 30 day window before any policy takes effect, so waiting until a flood is imminent will likely do you no good.
As a Missouri and purchase paxil online Illinois personal injury attorney, I know that it is not enough to just have insurance, however. One needs to take the correct steps in order to make sure the insurance company has enough evidence to properly evaluate the claim. To do this, the Wall Street Journal suggests the following:
- Take steps to protect your property: this means boarding up windows, moving valuables to higher ground, etc.
- Keep any receipts for relocation expenses: anything hotel or other expenses related to temporary relocation, keep for the insurance company.
- Provide as much detail as possible to the adjuster: the more specific you can be with what was damaged and the value of these items, the quicker the claim will be processed.
- Keep all damaged items: any proof you can provide of damage will make the claim process that much faster.
- Keep meticulous records when dealing with the insurance company, including the names and phone numbers of anyone you speak with.
If a person takes these steps, it should help any flood claims process as smoothly as possible.
Zane T. Cagle and the Missouri car accident attorneys at The Cagle Law Firm hope our friends in the Northeast are safe and can quickly rebuild from any damage. We sincerely hope the insurance companies deal with these people fairly and quickly, getting these people the help they need and deserve.