If you or your clients have sustained a major loss (or if you sustain a major loss in the future) from a natural disaster like last year’s Hurricane Harvey or the current Hurricane Florence, here’s what Friedson recommends you do:

1. Be safe

In places like Houston, New Orleans and Florida, it only takes three to five days for serious mold problems to develop. If your property has been flooded or has sustained any other type of major water damage, you will need a respirator and a face mask to safely enter the property.

Flood waters carry serious bacteria and viruses that can endanger your life, and there’s also the risk of being electrocuted by downed power lines that are not visible. As much as you may want to go home, avoid moving back in until after any mold, asbestos or other toxic substances have been removed.

Your safety and health come first.

2. Immediately notify the insurance company that you have a claim

By filing your claim right away, you are more likely to settle your claim quickly and find a local, high-quality  contractor. The sooner your claim is settled, the faster you can get your life back to normal.

To file your claim, contact your local agent, call the special 800 number the company sets up, log into your online account or visit a mobile claims center.

Flood insurance is separate from your homeowner’s policy and is issued through the National Flood Insurance Program (NFIP). If you have purchased flood insurance, your insurance agent will generally assist you in beginning the filing process.

BY BERNICE ROSS

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