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How do I file a Flood claim?
To file a claim:
1. Call your agent and report your claim. Be sure to leave a
phone number where you can be reached. You can also call Bankers at
1-800-725-9472.
2. An adjuster should contact you within three business days and
schedule an appointment to assess the damage - walking you through
the entire claim process and providing any necessary forms. Response
times may vary depending on how many policyholders the adjuster is
working with.
Documenting the damage before your adjuster arrives:
1. If possible, photograph the inside and outside of the premises
showing the damaged property and the height of the water.
2. Separate damaged from undamaged property for the adjuster’s
examination.
3. Itemize missing or damaged goods room by room. Try to:
- locate receipts or proofs of purchase.
- note manufacturer names, dates and places of purchase.
- write down serial numbers, prices, and dates of purchase.
4. Discard any damaged property that presents a health hazard or
could hamper cleanup (save a carpet sample so the adjuster can see
the extent of damage). Be sure you can give your adjuster a clear
description of anything you’ve thrown away.
Settling your claim:
1. When the adjuster arrives, he or she will inspect your
itemized list of damaged or destroyed property and work with you to
calculate the value. It is important you and the adjuster are in
clear agreement on what needs to be replaced or repaired.
2. Let the adjuster know if you need a monetary advance or
partial payment of your loss. This amount is determined based on the
extent of damage and your coverage limitations.
3. Your adjuster will prepare a repair estimate of damage to your
property. If you disagree with the estimate, talk with your
adjuster. If the issue remains unresolved, Bankers will arrange for
the NFIP General Adjuster to make a final determination.
4. Your adjuster will provide you with a Proof of Loss form, a
sworn statement made by you, substantiating the insurance claim.
5. Submit your signed and sworn Proof of Loss form to Bankers
within 60 days following the loss. Upon receiving it, we’ll send
your claim check within 5 business days.
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