If you were affected by last night's flooding, there are measures you can take to protect yourself.
If you suffered property damage, you should:
- Call your insurance agent or company as soon as possible. Make sure your agent has your contact information, especially if you have to move out of your home
- Take steps to prevent more damage, as long as you will not endanger yourself.
- Inspect property and vehicles for damage. Take pictures of any damage.
- If you have to leave your home, check your policy for "loss of use" coverage
- Be sure everything is considered in your claim. Back up claims with written estimates.
You should also be vigilant when it comes to finding the right contractor, to avoid becoming a victim of fraud.
- Get a list of reputable contractors from your insurance carrier, the Better Business Bureau or a consumer organization.
- Contact multiple contractors and obtain more than one estimate.
- Do not allow a contractor to inspect your property when you are not home.
- If you give a contractor permission to inspect your property, personally watch them conduct the inspection.
- Obtain, in writing, the terms and conditions of the project.
- Avoid signing a contract until the document is reviewed fully and/or discuss the terms of the contract with a legal representative or trusted adviser.
- Pay with a check or credit card, not cash, and do not pay in full until all work has been finished.