Talk to your insurer about the loss
Coverage depends on your policy, the water source and the circumstances. Flood insurance is generally separate from standard homeowners coverage. Ask your insurer about your specific policy, deductible and reporting requirements. The California Department of Insurance residential guide explains common coverage and exclusions.
Keep a clear record
When it is safe, note when you discovered the damage and take photos of affected rooms and belongings. Keep receipts, written estimates, authorizations and your insurer's claim number. Ask the adjuster what they need before discarding damaged items.
What FlexPro can document
Our job records can include the scope, photos, moisture readings, equipment use and an itemized invoice. These describe the work performed and help you discuss it with the adjuster. They do not guarantee payment or approval.
Know who makes each decision
You authorize work on the property; your insurer determines coverage and payment under the policy. FlexPro provides cleaning and restoration services, not insurance adjusting or legal advice. Ask the insurer directly about coverage disputes and claim deadlines.