Managing the Repair Process
Most claims are settled within 30 to 60 days of the filing. Repairs however, will probably take longer than this. Be attentive. Ensure you get a quality job at a fair price.
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For major repairs, get a minimum of three estimates. Don’t hesitate to question the contractors on variations in pricing.
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Make sure all estimates provide work details, offer a fixed price and are signed.
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Never proceed with repairs on the basis of a verbal agreement.
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Ask for state licenses and references and take the time to call them. Natural disasters often attract unqualified contractors looking to work for cash.
Rebuilding After a Flood
It’s not always easy, but the time you take to ensure your repairs are completed properly, will be well worth it in the long run. While you can’t control when a flood will occur, you can control how well you are prepared. Keeping accurate records, along with photos, receipts and itemized lists will expedite your rebuild if your property should flood in the future.
Remember, your flood policy is not automatically renewed. It’s up to you to pay your renewal bill on time to ensure you don't experience a lapse in coverage. When in doubt, contact your flood insurance agent or Selective at (877) 348-0552.
FEMA makes grant funds available for pre- and post- emergency or disaster related projects. Check available grants here.
Flood Smart Resources