HERE ARE SOME STEPS YOU SHOULD FOLLOW IF YOU HAVE FLOOD OR OTHER INSURANCE: • Find a copy of your policy. • If you do not have a copy, contact your agent. • Carefully read your policy. • Think about all insurance policies that might cover a loss. • This includes property, car, health and, if applicable, umbrella policies. • Know the deadlines for giving notice of loss to your insurance company. • Find the address where you send a written notice. • It is a good idea to call the company immediately, then follow up with a written notice. • The written notice is a MUST, and for flood insurance, notice must be submitted within a very short time period. Check your policy and do not wait until the end of the time period. • Take photos and videos of property damage, if possible, before making repairs. • Make a list of damaged or lost items. • Ask your insurance agent about any specific required forms. • Keep receipts for any expenses to repair your property and any extra living costs such as hotels and meals away from home. • Give your insurance company a list of all expenses. • Find out if you need to get approval before spending any money on replacements or repairs or making any contracts. • Check your insurance policy for deadlines or special requirements. • You must follow all the rules listed in your policy as closely as you can. • For example, proof of loss for flood insurance must usually be submitted very quickly. Check your policy and do not wait until the end of the time period. • Send in proof of loss and other papers the policy requires to obtain coverage and payments from the insurance company. • This includes photos and receipts. • Request partial or advance payments from your insurance company as needed. • Keep notes whenever you talk with your insurance company, agent or broker. • This includes the dates and times and names of the people in the conversation. • Keep copies of all letters, emails, etc. that are sent to or received from your insurance company or agent. If you mail anything, send it by certified mail, return receipt requested, or by FedEx or another service that provides delivery confirmation.
• Review checks, payments, letters, emails, etc. from your insurance company. • Make sure there is not any language releasing or giving up any claims. • Discuss with your agent if you are in doubt. • You also may need to talk to an attorney. • Follow up with your insurance company about your claim. • Consider getting legal help if you believe you are being treated unfairly.
BAKER BOTTS HARVEY CRISIS RESPONSE GUIDE
5
Powered by FlippingBook