OKLAHOMA CITY – After historic flooding in parts of the Sooner State and more rain on the way, AAA is offering some vehicle and home flooding recovery tips to help Oklahomans out of their boats and onto their feet.
AAA Tips on Auto Insurance Coverage & Claims:
- Physical damage to a car caused by heavy wind, flooding, or fallen tree limbs is covered under the optional comprehensive portion of an auto policy, not the liability portion that is required.
- Car owners should contact their insurance company to determine the extent of coverage before seeking repairs.
- Take photographs of any visible damage.
- Any vehicle sustaining flood damage should be fully inspected before being allowed back on the road. Mechanical components, computer systems, engine, transmission, axles, brake system and fuel system impacted by water contamination may render the vehicle unfit to drive and in many cases vehicles sustaining significant water damage will be determined to be a total loss.
AAA Tips on Home Insurance Coverage:
- Wind-driven rain that causes an opening in the roof or wall and enters through this opening is covered under standard homeowner’s insurance policies. Water that seeps into a home from the ground up is considered flooding and would be covered by flood insurance, which is provided by the National Flood Insurance Program and a few private insurers. Flood insurance is available to both homeowners and renters. Flood damage is not covered by standard homeowners or renters insurance policies.
- Homeowners policies also include additional living expenses—in the event a home is severely damaged by an insured disaster, this would pay for reasonable expenses incurred by living elsewhere while the home is being fixed or rebuilt.
AAA Tips on Homeowners Insurance Claims:
- The first step to recovery is inspecting your home for damage and then notifying your insurance company as soon as possible.
- Prepare an inventory and take photographs of damaged property.
- Store undamaged property in a protected place if possible.
- If carpet is soaked, remove the carpet and the carpet pad. Keep a two-foot square piece for the claims adjuster.
- Look for hazards such as broken or leaking gas lines, flooded electrical circuits, submerged furnaces or electrical appliances and damaged sewage systems.
- Proceed with extreme caution as you inspect your basement. There may be hazards from electrical lines and heating units. If your basement has flooded, do not pump it out all at once. Remove about one-third of the water per day. The wet ground surrounding your basement may cause the floors to buckle and the walls to collapse.
- Remove contaminated materials from the home. Be aware of exposure to mold.
- Carpeting, mattresses and upholstered furniture should be disposed of or cleaned and disinfected by a professional cleaner.