Flood insurance covers damage to your home from external flooding. This typically includes flooding due to a broken hydrant if the flooding covers a certain amount of terrain and/or affects other neighbors; the exact details depend on your specific policy. But what happens if the flooding is due to someone else’s negligence, such as a driver hitting a hydrant? Everett Insurance, serving Glen Allen, VA, provides some insight into a process called subrogation.

Contacting Your Insurance Company First

If a covered flooding event occurs after a driver hits a hydrant (or someone else causes the flooding), you might think you have to deal directly with the other person’s insurance company. While technically, the other person’s insurance policy should cover the damage, and you should obtain their information if possible, your first call should be to your own insurance carrier.

Instead of waiting for the other person’s insurance company to send you money for repairs, your flood insurance carrier will handle that task. Your company will then contact the other company to recover costs from the other policy. This process is known as subrogation.

Avoid negotiating with the other person’s insurance. Your carrier and agent likely have more knowledge about the regulations than you do, and they’ll be able to navigate the tactics other insurance companies might use when trying to reduce payouts.

Everett Insurance: Serving Glen Allen, VA

Everett Insurance serves the Glen Allen, VA region. Contact us to discuss flood insurance and to verify exactly what you should do in the event of a flood.