1-877-611-6742 help@opic.texas.gov

從洪災中恢復

恢復小貼士
提出索賠
關鍵資源

恢復小貼士

Most homeowners, condominium, and renters insurance policies do not cover flood damage. Flood damage is covered by a flood policy issued by an insurance company or by the National Flood Insurance Program (NFIP). Flood damage to your auto is typically covered by the comprehensive coverage portion of an auto insurance policy.

What Do I Do?

💧 Don’t go home until it is declared safe to do so.
💧 Contact your insurance company or agent immediately.
💧 Provide accurate contact information to your insurance company or agent.
💧 Contact police if your car is missing.
💧 Document any damaged property with photos or video before discarding.
💧 Remove any standing water inside your home (wear protective gear).
💧 Be careful handling any debris as it can be hazardous.
💧 Save any expense receipts for temporary repairs.

被洪水淹沒的社區的鳥瞰圖。

提出索賠

我該從哪裡開始呢？

Suffering damage or loss to your home and property can be stressful. Filing a claim doesn’t have to be. Below are tips to help you file a claim. For more information about the claims process, visit our Residential Property Claims Handling, Auto Claims Handling, and Flood Insurance webpages.

1. Contact your agent, insurance company, and/or NFIP to file your claim(s).

    • 請盡快提出索賠。
    • You may have to report a claim to more than one insurer such as your homeowners insurer, auto insurer, and/or the National Flood Insurance Program (NFIP). Most NFIP policies are issued through an insurance company.
    • 請務必向您的保險公司提供正確的聯絡資料。
    • 請詢問任何重要的截止日期，並將其記錄下來。
    • If you have an NFIP flood policy and need help finding your agent, call 800-621-3362 or visit the NFIP claims webpage. This NFIP recovery checklist may also be helpful.

2. 記錄 損壞情況。 

    • 請列出您住宅或汽車內外的損壞情況。
    • 在與理賠專員會面時，準備一份損害清單將有助於確保沒有遺漏任何項目。
    • 請拍攝受損處的照片或影片，以呈現受損狀況及損壞程度。
    • 請拍攝相鄰未受損區域的照片或影片，以提供背景資訊。
    • If you have an NFIP policy, these NFIP/FEMA forms will be helpful in documenting damage.
3. 進行 必要的修繕，以防止您的財產遭受進一步損壞。 

    • 僅進行緊急維修。
    • 在進行任何永久性修繕或僱用他人進行修繕之前，請先等待您的保險理賠專員前來勘查損壞情況。

4. 做好 記錄並保留收據。

    • 與保險公司、理賠專員及維修人員通話時，請務必做好筆記。
    • 請保存照片、影片、文件以及證明臨時維修或額外生活費用的收據，以便日後提交。
樹枝掉落在受損的屋頂上。

What's Next

What Should I Know?

    • It may take a while for someone to inspect your damage.
    • Ask your insurance company or NFIP what deadlines require action on your part, and what you can expect from them next.
    • Document damaged property and items before you throw them out.
    • 當您的保險理賠專員前來拜訪時，請保持聯絡暢通、做好準備，並主動配合。
    • 請與您的理賠專員釐清後續流程的步驟。
    • Begin the process of finding qualified contractors.
    • Be sure contractors are insured and/or bonded.
    • Address any differences between your insurance company’s estimate and a contractor’s estimate.
    • 簽署前，請仔細審閱所有維修合約。
    • 請確保維修工作已全部完成，並拍攝維修過程的照片和影片以供留存。
    • 請做好筆記、保存收據，並針對您的理賠案件保留詳細紀錄，包括維修估價單及所有相關通訊紀錄。
因受潮而受損、需要修繕的石膏板。

What About Hiring a Contractor?

您可能需要聘請承包商來修復房屋的損壞，或找一家鈑金廠來修復車輛的損壞。以下是一些建議：

    • Get estimates. While you are waiting for your insurance adjuster’s inspection, or as soon as you can, find one or more qualified contractors to give you repair estimates.
    • Hire well. Make sure the contractor (and any subcontractors) you hire are qualified and insured. Ask family and friends for referrals. Research the company or contractor you want to work with and check the Better Business Bureau (BBB)’s Scam Tracker and the AARP’s Fraud Watch Scam Tracking Map.
    • Ensure estimates are detailed. Get itemized estimates from contractors. Get more than one estimate. Show them your insurance company’s estimate if you have it.
    • Report differences. Talk to your insurance company about any differences or other damage the contractor found that the adjuster didn’t.
    • 審閱合約。簽署前請詳閱所有合約。如有疑問請提出，切勿簽署含有空白欄位的合約。切勿預先支付全數款項。
    • 請提防詐騙。如果有人敲門，並試圖施壓要您當場做出決定，請保持警惕。切勿預先支付全額款項。
    • 請謹慎對待任何聲稱可免除您自付額的提議。自付額是保險合約的一部分，承包商若提出免除自付額，此舉屬違法行為。
    • 保存紀錄。妥善保管收據及其他文件。

哪些費用可以申請報銷？

請仔細閱讀您的保單，並與您的保險代理人商討。您必須支付自付額。不過，您可能針對以下項目獲得理賠：

    • 額外生活開支（ALE）。
    • 清除碎屑。
    • 臨時修繕。
    • 暫扣折舊。請向您的保險公司查詢將以「重置成本」（RC）支付的金額。保險公司可能會先就受損財產的「實際現金價值」（ACV）支付一筆款項，並將實際現金價值與重置成本之間的差額暫扣，直至該財產完成修繕或更換為止。若您應獲支付重置成本，只要證明您已修繕或更換該財產，即可領取該筆款項。

如果我遇到問題該怎麼辦？

理賠程序可能相當複雜，且每宗理賠案件的情況各不相同。若您遇到問題，以下提供幾種求助選項：

    • 請聯絡您的理賠專員。您也可以要求與保險公司的理賠經理通話。
    • Visit the Texas Department of Insurance (TDI) website or call the TDI Consumer Help Line at (800) 252-3439. You can also file a complaint with TDI.
    • If you are unable to get the necessary support you need for an NFIP policy after contacting the resources above, you can contact the Office of Flood Insurance Advocate (OFIA).
    • 請聯絡律師，以了解您的法律權利。請瀏覽德克薩斯州律師公會網站，或致電 (800) 252-9690，以獲取尋找律師的協助。
    • 聘請持牌的公共理賠調解員或估價師，協助您處理理賠事宜。
    • 請瀏覽公共保險諮詢辦公室（OPIC）的網站，或致電 (512) 322-4143 或 (877) 611-6742。我們將樂意為您解答疑問。

關鍵資源

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