Dealing with flood damage can feel overwhelming, especially in Florida, where storms and heavy rains are common. If you ever need to file a flood insurance claim through All Counties Insurance Agency & Traffic School serving Palm Coast, FL, how you document the damage can make all the difference in how smoothly the process goes—and how much you’re ultimately reimbursed.

Start With Photos and Videos

As soon as it’s safe to return to your property, take plenty of photos and videos of the damage. Capture wide shots to show the overall impact, then get close-ups of specific items like flooring, walls, furniture, or appliances.

Be thorough; the more evidence you have, the easier it is to prove the extent of your losses.

Make a Detailed Inventory

Write down everything that was damaged or destroyed. Include descriptions, estimated ages, and approximate replacement costs if you know them. If you have receipts, warranties, or old photos showing these items before the flood, gather them to support your claim.

Note that this step is often time-consuming, but it’s key to maximizing what you can recover.

Keep Samples and Records

If carpet or drywall needs to be removed right away to prevent mold, save small labeled pieces. Your adjuster may want to see samples to confirm the type and quality of materials. Also, keep records of any emergency repairs you pay for—such as pumping water out or securing your home—along with receipts and invoices.

Stay in Touch With Your Insurer

Contact your flood insurance provider as soon as possible to start the claims process. They’ll likely send an adjuster to inspect your property. Be present during this visit if you can, and walk them through all the damage you’ve documented.

Your local Florida insurance agent at All Counties Insurance Agency & Traffic School serving Palm Coast, FL can also help guide you through filing properly so your claim is settled fairly and without unnecessary delays.