When floodwaters impact your Wisconsin property, begin your documentation process right away. Once it is safe to enter your home, take time to assess and record the damage thoroughly. From the beginning, maintain detailed records so you can stay organized, respond to insurer requests efficiently and reduce potential delays in the claims process.
Document your losses and expenses
Begin by using your phone or camera to document every area affected by flooding. Carefully photograph water lines, structural damage, destroyed belongings and any exterior destruction. To make the documentation more straightforward for your insurer, capture multiple angles for each scene. Then, label each image with the date and a brief description to maintain accurate records.
Next, keep a clear record of every expense tied to the flood. Hold on to receipts for anything you spend on recovery. This might include emergency home repairs, temporary housing, meals if your kitchen is unusable or materials used for cleaning up. Depending on your insurance coverage, some or all of these expenses might be reimbursable.
Notify your insurer and follow instructions
Once your documentation is ready, notify your insurance agent or company as soon as possible. Wisconsin insurance law requires insurers to acknowledge your claim within 10 calendar days, so early communication can help move the process forward.
Then, follow the insurer’s instructions carefully. In some cases, they may send an adjuster before providing any forms. In others, the insurer may ask you to complete a proof of loss right away. Provide accurate information, ask for clarification if needed and keep track of what you submit.
Respond to issues or delays
Even with preparation, some flood insurance claims may face delays or even denial. If this happens, go through your records carefully and check that you included everything. You might be able to request a second review or submit more information.
When the process feels confusing or overwhelming, speak with an individual familiar with insurance claims. Whether it is an attorney, public adjuster or housing counselor, they can explain your options, help you organize your response and guide you through the following steps.