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Flood Damage From Ida? Your Homeowner’s Policy Probably Won’t Cover That.


If it is safe to do so, take photographs or videos of the damage — but leave climbing on the roof to professionals, Mr. Hunter said. You can also submit images of your possessions taken before the storm to document your losses.The Federal Emergency Management Agency, which oversees the flood insurance program, recommends throwing out flood-damaged items that pose a health threat, such as from the growth of mold, after you take photos. Keep samples of flood-damaged items like carpet and curtains to show the adjuster.Retain receipts of any initial repairs as well as the cost of hotels and …

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