Insurance and claims

General documentation tips. Cover depends on your policy wording: many standard homeowner policies exclude flood and groundwater seepage, while sewer or sump backup may need a separate endorsement.

Document

• Photos and short video of water, damp patches, cracks and stains before anything is moved.
• Note dates, rainfall or snowmelt, and how high the water reached.
• Keep receipts for pumps, dehumidifiers and anything you replace.

Claim

Notify your insurer as your policy requires. Flood insurance is usually separate, through the National Flood Insurance Program or private flood policies.

they do not replace your claim or give legal advice.

Not legal or insurance advice.