When floodwaters recede, the work begins - assessing the damage and navigating the flood insurance claim process to ensure a smooth recovery. Properly documenting flood damage is a significant part of the process for receiving the compensation needed to restore your property.

At Flood Response Assistance, we specialize in flood barrier deployment, flood vulnerability assessments, and flood protection plans, helping businesses and homeowners mitigate risks and recover quickly. Here’s a step-by-step guide on how to document flood damage for your flood insurance claim effectively.

1. Ensure Safety First

Before assessing damage, make sure it’s safe to enter the property. Floodwaters can weaken structures, cause electrical hazards, and leave behind contaminants. Health hazards if floodwaters can include waterborne illnesses, respiratory complications, and gastrointestinal issues. 

To err on the side of caution, consult professionals to evaluate the stability of your home or business before proceeding.

2. Notify Your Flood Insurance Provider

Contact your flood insurance company as soon as possible. Many policies require prompt reporting of flood damage, so early communication can prevent delays. Provide them with your policy number and any initial details about the damage.

3. Take Comprehensive Photos and Videos

Visual documentation is critical when filing a flood insurance claim. Capture:

• Wide-angle shots of each affected area
• Close-up images of damaged items, walls, floors, and ceilings
• Before-and-after comparisons, if possible
• Video walkthroughs to provide a full perspective of the damage

Make sure to timestamp the images and videos for credibility.

4. List Damaged and Lost Items

Create a detailed inventory of damaged belongings. Include:

• Item descriptions (brand, model, serial numbers)
• Purchase dates and prices (if available)
• The extent of damage (waterlogged, destroyed, etc.)

If you have receipts or old photos of these items, attach them to your documentation.

5. Save Damaged Materials for Inspection

Unless advised otherwise, do not discard damaged items until the flood insurance adjuster has reviewed them. If you must remove them for health or safety reasons, take detailed photos first.

6. Record Cleanup and Repair Costs

Keep receipts and invoices for:

• Emergency repairs (pumps, dehumidifiers, protective barriers)
• Professional cleaning services
• Temporary lodging, if displacement occurs
• Contractor estimates for restoration

Your flood insurance provider may reimburse some of these costs.

7. Work With a Flood Insurance Adjuster

When the insurance adjuster arrives, provide them with your photos, videos, and inventory list. Ask for a detailed report of their findings and clarify any discrepancies before signing any documents.

8. Understand Your Flood Insurance Policy Coverage

Different flood insurance policies cover varying aspects of damage, from structural repairs to content replacement. Review your policy to ensure you're maximizing your claim and discuss any coverage gaps with your provider.

9. Get a Flood Risk Assessment 

Once your claim is settled, take steps to minimize future flood risks. A professional flood risk assessment can identify vulnerabilities in your property and recommend solutions such as flood barriers, drainage improvements, and waterproofing strategies. 

Implementing a flood maintenance and protection plan can help reduce the likelihood of severe damage in future flood events, potentially lowering flood insurance premiums.

10. Prevent Future Flood Damage

Reducing future flood risks not only protects your property but can also positively impact your flood insurance premiums. Installing FEMA-compliant flood barriers and implementing other mitigation measures can help safeguard your home or business from costly water damage. 

Many flood insurance providers consider proactive flood protection when assessing premiums, meaning investments in flood barriers, drainage solutions, and waterproofing could lead to lower costs over time. 

Contact Flood Response Assistance today to learn how we can help you stay prepared for the next flood event.