Yes. First, it is important that you understand what a loss list is: it is a list of your estimated losses from the flood damage. This means that if something was damaged that is not included on the list, you will not receive compensation for that item.
Sometimes the adjuster will send you a proof of loss list, but it is ultimately up to the homeowner to make sure you compile a complete list of losses and send it to the insurance company, in compliance with your flood insurance policy requirements.
When preparing a loss list, take your time and go through each room of the home. It is a great idea to take pictures or video of the damaged property while you are making your list. Make sure you do not throw away any damaged items or personal property without your adjuster’s agreement.
Most policyholders have a 60 day time limit from the day of the flood damage to provide your insurance company with your loss list. Sometimes they will grant an extension, but it's best to make sure your list is turned in within the 60 day time period.
After turning in your list, you and the insurance company will still have to agree on the amount of compensation you will receive due to your flood damages. If you are not being treated fairly or are not getting a fair amount from the insurer, you should talk with a Houston flood insurance litigation lawyer at the Voss Law Firm at 888-614-7730 today to set up a free consultation.