There are very specific requirements set up by the National Flood Insurance Program, a federal program created to provide access to affordable, federally-backed flood insurance protection for property owners. This federally-backed insurance is managed through licensed agents such as Alpha Insurance. As a homeowner, it is important that you know your responsibilities in reporting and filing a claim to ensure that you get the full benefit of your flood insurance. Understanding the process will aid us in ensuring that the placing your flood insurance claim is as stress free as possible.
Most business owners keep a detailed list of every item in their inventory, but too many times a homeowner neglects this important task until it is too late. Keeping an inventory of all of your assets including the date of purchase, the model and serial number and, if you are really on top of things, a picture, will assure that, if disaster does strike, you will be able to recover these assets up to their full replacement value (not market value of the item at the time of the loss).
As with any disaster a flood can come quickly and unexpectedly. Trying to document and remember these things in the middle of a disaster can be very stressful. Knowing that you have everything already documented will give you the security that you need to know that your things will be replaced. This will enable us to handle your claim much more quickly and efficiently.