The rain is about over and most of the flooding will soon be gone. The damages done will remain for some time.

If you have a National Flood Insurance Flood (NFIP) policy, here are some things to keep in mind about your flood claim.

Call the insurance company or your agent to file the claim.

Dry out your property as quickly as possible. Use fans, open doors and windows, use heating devices. Get carpets off the floor if possible. Mop up all water off hardwood floors as soon as you can.

Take plenty of digital pictures of the damage to home and contents. If you throw anything away because it is just too disgusting, take photos before tossing the item. It is best to keep everything for inspection by the adjuster.

You may need to call a Disaster Restoration Company. Some are listed at our website www.ctlowndes.com under the claims tab.

Some Restoration Companies may ask you to pay them the policy deductible. It is suggested you not do this as the insurance company will deal only with you. The company will not pay the restoration company but will make the payment check payable to the named insured on the policy.

Be sure the mortgage clause on your flood policy is correct. If yours is not, contact your agent so it can be changed. If there is a mortgagee shown on the policy, the claim check will be made out to the named insured and the mortgage company.

Be patient. You are dealing with a federal government organization and the claims process will be slower than you may be used to. Have 30 days in your mind for the entire claims process to be completed. And that is if there are no complications.

Good luck.

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