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How do you justify your losses following a flood?

justify your expectations

☔︎Hard blow this December 1, 2019, Meteo France raises its rainy flood alert to red level. Here is that only one week after the natural disaster that struck the Var and the Alpes Maritimes, bad weather returns. This is how meteorological phenomena combined with wind or snow, produce different types of disasters. Courage to the families and persons who undergo such upheavals.

To avoid the second penalty of inadequate compensation, I remind you of the right reflexes!

⚠︎ Proceed with the rescue and preservation of the goods until the Expert passes

Indeed, it will be necessary to justify the existence of the goods, therefore even if one is in a hurry to throw everything away, it is advisable to safeguard the most expensive goods until the Expert's visit.

  • Also for artworks, do you think that a restoration or a cleaning by a professional could be considered?

Otherwise, take quality photographs from different angles. Thus you photograph each object if possible in front, behind, signature, without forgetting some particular details.

  • Beware of shots taken with a smartphone because the quality is not as good. Also, those taken from too far away do not allow to distinguish the objects.

?specify your claim by e-mail

Insurance companies try to manage the crisis situation based on the claims received. For this reason, I recommend that you follow these tips:

  1. If possible, you should detail the number of objects per room. In addition, you can give an approximate range of the extent of the loss (plus or minus 50,000 € for example).
  2. It's best to use email if you can't reach them by phone. Especially if you don't get an answer immediately, don't worry. For example, you can politely call back the next day.

Sometimes, the experts leave in a hurry and on arrival it is not really the case. On the other hand, we arrive on claims that require a specialist expert (in construction or another specialty). Because it is necessary to implement conservatory measures as soon as possible.

? Contact companies specialized in disaster recovery

Do you know that companies are working more and more with networks of specialized companies? Thus, for each type of damage, specialized companies can intervene after the visit of the expert.

In case of fire, a company specialized in decontamination and restoration intervenes to sort out and clean the damages in agreement with the Expert. Here are some companies that intervene on the whole territory: sis-groupe, 3ID, unipromotion,.