Flood and home insurance: See how you can be compensated

Seeing your home flood is a real ordeal. However, in addition to the grief to manage and the clearing work that needs to be done, another task is added to this difficult moment: to contact his security. To avoid an additional hassle, we’ve listed all the steps you need to take to effectively get compensated after a flood. You just have to let yourself be guided.

1. Don’t confuse flooding with water damage

In a multi-peril home insurance policy, it is essential to differentiate between flood and water damage. In fact, a flood results from a natural event (violent bad weather, river overflow, mudslide, etc.). So we are talking about a natural disaster here.

Water damage, on the other hand, is caused by water leakage or infiltration. The latter can be of human origin (e.g. the tap is left on) or linked to deterioration or poor quality of the facilities (leaking roof, burst pipes, etc.).

Good to know : even before you fall victim to a flood, think compare home insurance upstream to find the one that best suits your needs and budget. But don’t worry, since 1982, natural disaster coverage has been compulsorily considered in all insurance policies including damage coverage.

2. Collect evidence

The first thing to do after a flood is to collect as much evidence as possible through photos and videos about the condition of your home. And especially your outdoor spacesif you patio cover was destroyed for example. You can then share them with your insurance company to speed up the claim process.

Also, remember to recover what you can of your personal belongings (invoices, old photos and videos) to prove the existence of your valuables.

3. Report the claim

In case of flooding, natural disaster insurance However, the latter is provided by the insurer only if the state of natural disaster has been officially recognized by the public authorities. So you have to wait for the publication in the Official Gazette of the ministerial decision to recognize the state of natural disaster before registering your claim. Then, after publication in the Official Gazette, you will only have ten days to report the loss with your insurer. So respond!

flood
Credits: iStock / tiero

But be careful, this does not prevent you from the same contact your insurer warn him and check with him that your contract does not allow you to claim another warranty. We can specifically mention the flood guarantee provided in the storm guarantee. Especially if you are not sure that the state of natural disaster will be recognized. In this case, be careful, because the claim must be filed no later than 5 days after the flood.

Good to know : it is wisest to consult your insurance policy and contact your insurer by phone on the day of the flood or, at the latest, the next day.

4. Sending registered mail

Once your claim has been reported to your insurance, the latter will ask you to send them a registered letter with receipt. In this letter, you must describe the damage suffered, that is, the damage caused by the flood, specifying that the latter is the result of a natural disaster. Additionally, feel free to attach photos to illustrate your observations.

You will also need to provide as much information as possible about items that were lost, damaged or destroyed as a result of the flood. Specifically, you will be asked to calculate their value. To do this, use photos, invoices, deeds and any other document in your possession that could serve as proof.

5. Wait for compensation

Unfortunately, when you fall victim to a disaster, you have to know how to be patient. Indeed, the compensation terms must first be studied and validated before we can receive a refund. Thus, as a general rule, compensation is paid within two to three months of the declaration of the claim.

However, depending on the options taken out when choosing your home insurance, you can immediately benefit from certain assistance services. For example, relocation costs could be included in your policy if your home has become uninhabitable. Or the liquidation cost, which could also be more than significant. Please note, however, that pumping, cleaning and disinfection costs are in all cases covered by your insurance.