If you live in San Diego, you likely received a flash flood warning on your phone Monday morning. If you’re one of the unlucky ones whose home was damaged, here's what you need to know about filing a claim:
Does my insurance cover the damage?
First, figure out if you have flood insurance, which is separate from your regular homeowner's insurance policy.
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Flood insurance will cover damage from water that makes its way into your home from the ground. Other damage caused by the storm itself may be covered under your regular homeowner's insurance — like a roof leak, wind damage or a tree falling on your house.
San Diego Storm Coverage
What about your car? If it's damaged by floodwater falling trees, or something else, will that be covered? You need to check if you have comprehensive coverage, which is separate from collision coverage.
If you need to file a claim with your flood, homeowner's or auto insurer, here’s what you need to do:
- Take pictures and videos of everything. Documenting the damage and problems can help during the claims process
- Don’t delay. Contact your insurance company as soon as possible, since they are likely to be very busy processing claims. You want to get the process started ASAP.
One more note, Consumer Reports says, in most cases, you shouldn’t file a claim for any damage that’s lower than the cost of your deductible. The exception is water damage. That's because what seems like a small problem could signal a bigger, more expensive mess lurking inside the walls or ceiling. Remember: Insurance claims take time, so keep all your paperwork organized.
