What to do now
People who are affected by floods need to make sure that they stay safe. However, they should also try to take steps now to document the flood as it happens and as it affects them especially if they will have to make a claim on their insurance later.
A lot of the problems around floods and insurance are about the specific causes of damage. For instance, storm damage, damage from backed up sewers, rising rivers, flash flooding, and other forms of water damage can be treated differently under insurance contracts. Recording where the water comes from and keeping a detailed chronology of events can make a real difference for a successful insurance claim later on. For instance, if a tree damages a roof and the rain damages the carpet before a flood comes through, this damage needs to be documented as it happens.
Examples of good documentation include:
* time-stamped photos showing water damage as it happens, where the water is coming from, photos of sewer or stormwater backing up, and other damage as it happens;
* Keep a diary, a chronological record of events as they happen.
The more detailed information the better the chances of being able to make a successful insurance claim later.
There are a number of legal information resources for people affected by floods. The following link is a fantastic collection of information about floods and other natural disasters from a number of different places.