If you have flood damage, don't wait to file a claim

Parts of Michigan were drenched in flooding rains last week, and if you aren't protected by insurance, it can leave you with a big headache.

Flooded Neighborhood Swartz Creek, MI

Flood damage isn't cheap, and in fact the Federal Emergency Management Agency, or FEMA, said just two inches of water inside your home can cost more than $21,000 in damages. If you don't have insurance coverage, that money will come right out of your pocket.

If you do have coverage, there's three steps to follow to make a claim. First thing you need to do is contact your insurance agent. An adjuster should contact you within a few days of the filing.

Next, separate damaged and undamaged property as the adjuster will need evidence of the damage to both your home and possessions. Take pictures and make a list of all damaged property, including structural damage inside your home.

And finally the adjuster will give you a proof of loss form to fill out. This has to be filled out before you'll get any money, and you'll have 60 days after the flood to get this in, so don't wait.

If it's your car that suffered damage, filing a claim may be easier than you think. The Better Business Bureau said to ask your agent about your coverage. Most policies will reimburse drivers for loss because of damage caused by something other than a collision, like fire, catastrophic storms and even flooding. So double check your policy, and talk to your insurance agent.

Ronald Dwyer is an independent insurance agent licensed in Michigan for Home - Auto –Motorcycle - Watercraft - Business Insurance. He can be reached at rondwyer@roninsureme.com or 248-390-6345. His website is http://www.roninsureme.com or Twitter @ronalddwyerins Facebook: http://www.facebook.com/dwyerinsurance / Linkedin: http://www.linkedin.com/in/ronalddwyer