Claim Filing Process:
1) Identify the loss (remember: windstorm and flood are different)
If you have damage from rising water that is flood. Water would enter your home from the outside and the entire area outside would be covered in water.
If you have damage from Wind/Hail that is on your Windstorm coverage. If water has entered your home from an opening in the building (i.e. the roof is leaking, the windows blew in) this would be a windstorm claim.
Depending on your insurance carrier, you may have a separate policy for Windstorm/hail.
Flood is ALWAYS a separate policy; so if you don't have a specific Flood Insurance policy then you don't have coverage for a flood loss.
2) Set up the claim with the appropriate entity
3) Assess the damages
Separate damaged from undamaged property. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.
Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels.
Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible.
Officials may require disposal of damaged items so, if possible, place flooded items outside of the home.
Make ONLY temporary repairs until an adjuster has cleared you to make permanent repairs.
4) Complete a Proof of Loss (if required) by the carrier.
This a sworn statement of the losses you are claiming. Supplements can be filed later if needed for additional damage found.
Claim Filing Numbers:
Maison Insurance Co
Allstate Flood & Windstorm
NFIP Direct (National Flood Insurance Program)
Dedicated Hurricane Harvey Claims line: 972-474-0791
Inventory damages by room - it's easier to remember what's in each room rather than each category.