Flood Loss

Has Your Home Flooded?
We’re Here to Help.

If your home has been damaged by Oklahoma flooding, we want you to know—you’re not alone. At Bolitho Law, we’ve walked alongside many families facing the aftermath of severe weather, water damage, and the complicated world of insurance claims. We understand the stress, the uncertainty, and the urgency of getting help fast. That’s why we’ve put together these trusted tips to help you protect your home, your rights, and your peace of mind.

We’re not just here to give legal advice. We’re here to stand with you through every step of your recovery.

5 Smart Steps to Take After a Flood

  1. Document Before You Clean Up
    As soon as it’s safe to enter your home, begin taking photos and videos of all flood-related damage. Focus on flooring, walls, furniture, and personal items. Be thorough—this documentation is critical for your insurance claim.

  2. Notify Your Insurance Company Promptly
    Don’t delay. The sooner you report the damage, the sooner your claim can be processed. Have your policy number ready, and ask your insurer what documentation they need to move forward.

  3. Prevent Further Damage (But Keep Receipts!)
    Do what you can to stop additional damage—like removing soaked carpets or boarding up broken windows—but keep every receipt. Your policy may reimburse you for these efforts, and proof matters.

  4. Don’t Discard Damaged Belongings Yet
    Unless they pose a health risk, hang on to damaged items until your adjuster gives the go-ahead. If removal is necessary, take detailed photos first.

  5. Track Every Conversation
    From your first call to your last email, keep a written record of all communication with your insurance company. Include names, dates, and summaries of each interaction. This can protect your claim and save you time if issues arise.

Why These Steps Matter

Floods don’t just leave behind water—they leave behind questions. Am I covered? Am I being treated fairly? What if the adjuster underestimates the damage?

That’s where we come in.

At Bolitho Law, we help Oklahoma families navigate the fine print of insurance policies and fight for the coverage they deserve. Whether your claim is just beginning or already facing delays, we’re ready to stand in your corner.

Start Here: Free Communication Log

One of the most powerful tools in protecting your claim is simple: a written log. That’s why we’ve created a free, printable Communication Log to help you stay organized and empowered.

Use it to track calls, promises, and follow-ups—so nothing falls through the cracks.

Common Questions

  • Most standard policies don’t cover flood damage unless you’ve purchased separate flood insurance (like through the NFIP). However, water damage from things like burst pipes or roof leaks may be covered. We can help you understand the difference.

  • You have rights. If you’re facing delays, low offers, or denials, we can review your policy and advocate for what you're owed under the law.

  • You should prevent further damage as soon as possible, but document everything first with photos and videos. If you must discard unsafe items, be sure to have proof.

  • It varies. Some claims are resolved in weeks; others take months. Having legal help can reduce delays and improve your outcome.

  • We offer free consultations, and many cases are handled on a contingency basis—meaning we don’t get paid unless you do.

  • Depending on your policy, yes. Additional living expenses (ALE) coverage can help with hotel costs, meals, and more. We’ll help you explore all your options.

  • Accurate records can protect you from misinformation, forgotten promises, and delays. It strengthens your claim and supports any legal case if needed.