The Flood Damage Insurance Claims Process for Chicago Homes

7/11/2022 (Permalink)

Storm damage? Call SERVPRO! Our team is equipped and trained for complete restoration.

SERVPRO Helps Flood Damage Claims Get Approved

In and around Chicago, it is always advisable for homeowners to secure insurance against flood damage where possible. When natural disasters like flooding occur, you must still jump through some metaphorical hoops to get the damage claim approved and restoration work paid for by the insurance provider. SERVPRO can help. 

Assessing the Condition of the Property

Flood damage to Chicago homes and businesses varies by the incident, making it essential to have competent professionals assess the damage. Structural, content, and environmental damage can all have a place in evaluating the type of restoration and recovery work needed for the property. 

Documenting Content and Structure Damage

Whether to complete the estimation the insurance provider needs or to keep the customer apprised of the conditions of their home, the inspection of the house should yield considerable documentation on the requirements of individual contents and structural elements. A complete recording of the home's state can show where specific restoration and repairs are necessary. 

Interfacing with the Insurance Adjuster

An insurance provider will designate a representative to help with a damaged home as work begins with trusted restorers like SERVPRO. We work with this individual to keep our customers from being a forced middleman mediating the transfer of information, documents, and progress reports. 

Creating a Detailed Estimation of Restoration Work

Damage claims will not be approved, and the notice to proceed is delivered without a detailed estimation of the work SERVPRO believes is necessary. Our expected timeline to complete this work. With flood damage, this estimation could include several tasks such as:

• Extraction
• Cleaning
• Drying
• Content cleanup
• Disinfection

When your home needs extensive reconstruction or restoration, it pays to have insurance. Our SERVPRO of Evergreen Park / South Chicago City can help to meet the requirements, so this vital work starts as soon as possible. Call us now at (773) 337-3900.