The insurance company must start investigating your claim within 15 days after receiving written notice and may ask you for more information. Once you send the information, the insurance company has 15 business days to accept or reject your claim. If the insurance company says it will pay your claim, it must pay within five business days. If the insurance company rejects your claim, it must explain its reasons in writing.
If it snows where you live, be wary about the formation of ice dams on your roof. This happens when the heat inside your home causes water to melt in the middle of your roof. The water then refreezes near the edges, forming a dam that prevents melting snow from draining off the roof. The water that backs up can leak into your home and damage ceilings, walls and other areas of your home. To prevent ice dams from forming, insulate your attic to keep heat from rising and reaching the roof.
In the United States, those individuals who are affected by widescale flooding may have the ability to apply for government and FEMA grants through the Individual Assistance program. On a larger level, businesses, cities, and communities can apply to the FEMA Public Assistance program for funds to assist after a large flood. For example, the city of Fond du Lac Wisconsin received $1.2 million FEMA grant after flooding in June 2008. The program allows the city to purchase the water damaged properties, demolish the structures, and turn the properties into public green space.