Seeing your house flooded is a real ordeal. However, in addition to the grief to manage and the clearing work to be done, another task is added to this difficult moment: to contact his insurance. In order to avoid an additional difficulty, we have listed for you all the steps to follow to be effectively compensated following a flood. You just have to let yourself be guided.
1. Do not confuse flooding with water damage
In a multi-risk home insurance contract, it is essential to make the difference between flooding and water damage. In effect, a flood results from a natural event (violent bad weather, overflow of a river, mudslide, etc.). We are therefore talking about a natural disaster here.
Water damage, on the other hand, is caused by a leak or infiltration of water. The latter can be of human origin (tap left open, for example) or linked to wear and tear or to the poor quality of the installations (roof leak, rupture of pipes, etc.).
Good to know : even before falling victim to a flood, think about compare home insurance upstream in order to find the one that will best suit your needs and your budget. However, do not worry, since 1982, the natural disaster guarantee is obligatorily taken into account by all insurance contracts including a damage guarantee.
2. Collect evidence
The first thing to do after a flood is to collect as much evidence as possible through photos and videos about the condition of your home. And especially your exteriors, if your terrace covering has been damaged for example. You can then communicate them to your insurance company in order to speed up the compensation process.
Also, remember to recover everything you can from your personal belongings (invoices, old photos and videos) to prove the existence of your precious objects.
3. Report the claim
In case of flooding, natural disaster insurance comes into play. However, the latter is only provided for by the insurer if the state of natural disaster has been officially recognized by the public authorities. You must therefore wait for the publication in the Official Journal of the ministerial decree recognizing the state of natural disaster before declaring your claim. Then, after publication in the Official Journal, you will only have ten days to declare the loss with your insurer. So be responsive!
But be careful, this does not prevent you from all the same contact your insurer to warn him and to check with him that your contract does not allow you to request another guarantee. We can mention in particular the flood guarantee provided for in the storm guarantee. Especially if you are not sure that the state of natural disaster will be recognized. In this case, be vigilant, because the claim must then be declared within 5 days maximum after the flood.
Good to know : the most prudent thing is to consult your insurance contract and contact your insurer by telephone on the day of the flood or, at the latest, the next day.
4. Send registered mail
Once your claim has been declared to your insurance, the latter will ask you to send them a registered letter with acknowledgment of receipt. In this letter, you must describe the damage suffered, that is to say the damage caused by the flood, specifying that the latter is the result of a natural disaster. In addition, do not hesitate to attach photos to illustrate your remarks.
You will also need to provide as much information as possible about items that were lost, damaged, or destroyed as a result of the flood. In particular, you will be asked to estimate their value. To do this, use photos, invoices, deeds and any other document in your possession that could serve as proof.
5. Wait for compensation
Unfortunately, when you are the victim of a disaster, you have to know how to be patient. Indeed, the conditions of compensation must first be studied and validated before being able to receive a refund. Thus, as a general rule, compensation is paid within two to three months following the declaration of the claim.
However, depending on options that you took out when choosing your home insurance, you can immediately benefit from certain assistance services. For example, relocation costs could be included in your contract if your home has become uninhabitable. Or clearing costs, which could also be more than significant. Note, however, that the costs of pumping, cleaning and disinfection are in all cases covered by your insurance.