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What Can You Claim After a Flood or a Disaster?

You can claim for damages caused by floods or disasters such as hurricanes, earthquakes, and wildfires. The coverage depends on the type of policy you have and the cause of the damage. You can claim for structural damage to your home and personal property damage. You can also claim for additional living expenses if you are forced to leave your home due to the disaster. However, it is important to note that flood damage is not covered by standard homeowners insurance policies. You will need a separate flood insurance policy to cover flood damage.

it is important to note that flood insurance does not cover everything. For example, it does not cover damage caused by mold or mildew that could have been avoided by the homeowner.

Do You Know What You Have to Claim in the Event of a Flood or a Disaster?

There’s a popular saying that goes like this: “Home is where the heart is.”

That saying rings true for many who find “home” a safe haven and a place to cherish, convene with family and friends, raise children, cook meals, rest, retire and celebrate.

Most will agree a home is not just a pile of bricks and mortar. Rather, a true “home” comprises much more, including everything inside it.

Some of the things inside your house that help make it your home include your furniture and appliances, clothing, sports equipment, and electronic goods. These items are considered personal property – and it’s really important to protect it all.

How do I protect what really makes my house a home?

Protecting the important stuff inside your home begins with an understanding of what you have. If you’re like many people, you may find your home contains much more personal property than you realize.

To understand how much stuff you have, develop a careful inventory of your personal property following these tips.

  • Use a video camera to record and audibly describe items as you move through your home. If you don’t have access to a video camera, use a standard camera or phone camera.
  • Whether you use still photos or video to develop your inventory, include brand names and descriptions where possible, especially on high-cost items.
  • Keep any and all receipts on high-dollar purchases. Keep these receipts filed together with any instruction booklets, warranties, etc. that accompany the items.
  • Store your video or photo inventory offsite or back it up with an additional drive.
  • When you make new purchases, be sure to add them to your inventory.

Here are some links to NAIC (National Association of Insurance Commissioners) that can help you capture and organize your information:

User’s Quick Guide:

Here’s a handy Home Contents Inventory List to help you get started!

If you have high-value items, be sure to check with us at Desert Mountain Insurance so we can review your homeowner’s coverage to help you be properly protected.  We understand that your home is not just a house, and we are here to help ensure that everything important to you is protected—both outside and inside your home

Contact Us!

 At Desert Mountain Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using possible credits and discounts to make that coverage affordable. Just give Desert Mountain Insurance a call at 866-467-3627. We want to help you meet your goals and make sure what’s important to you is protected!

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