HELENA – With flood water starting to recede in some areas, homeowners are now assessing the damage.

Mike Miller, a State Farm Insurance Agent, said there is no reason to wait and submit a claim when it comes to flood damage.

Miller said the most common misconception homeowners face with insurance is that they think their home has flood coverage.

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“I think some homeowners think ‘I have coverage for anything and everything that happens’ and unless you have a flood policy, you’re not going to have any coverage,” said Miller.

The National Flood Insurance program is a division of FEMA and sold by local agents and separate from homeowners insurance.

If you have to make a claim, make sure the the damage is documented with photos, undamaged property is separated, and you have a comprehensive list of damaged goods and structural damage.

Eric Barsness, a homeowner on McHugh Lane said he’s been pumping water out of his basement for 9 days straight.

“Well, we knew once we saw surface water out in front of the house. We knew it was only a matter of time, we would have water in the basement,” said Barsness.

Miller said if you have flood insurance and submit a claim, generally your adjuster will contact you within one to two days.

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