If you are dealing with flood damage, then you are no doubt familiar with the hassle and time that it can take to resolve your insurance claim. There are some questions you can ask your Safeco Insurance water damage specialists that can make the process much more bearable. When you stay informed and are on top of the situation, it will be much easier to handle everything else that is on your plate after a flood.
The first question that you will likely want to ask your insurance company is “How long will it take to settle my claim?” The answer to this question will vary depending on who your insurance company is and how extensive the damage is. Some homeowners have their claim resolved with a few months, while others may find themselves waiting years for their money. The length of time you have to wait is typically determined by the total dollar amount of the damage, how long it takes to submit your claim and the company you are dealing with.
Another important question that homeowners typically have when filing a flood damage insurance claim is “How do I go about getting my property cleaned up? Who is responsible for the cost?” Cleanup after a flood can be pretty pricey depending on how bad the damage is, however, many insurance policies will include cleanup coverage. Be sure to ask about the specific limits for this in your policy, as not all flood insurance policies are the same.
Finally, homeowners who are dealing with the aftermath of a flood should ask about temporary housing if their home has extensive flood damage. Some insurance carriers will arrange for housing as soon as you are displaced, but only if the damage will impact your ability to be in your home for at least a week or so. This varies from company to company, so be sure to ask for specifics from your agent if you have experienced a flood.