Before engaging a professional service that includes structural drying, the policyholder should consult with the assigned flood adjuster, and the adjuster should inform the policyholder that an itemized room-by-room invoice and a properly completed drying log are required per both industry standards and the SFIP. To ensure proper claim handling, it is imperative that an adjuster become knowledgeable about which remediation measures are warranted after a flood loss and afforded coverage under the SFIP.
Bulletin W-13025a (Claims Guidance – Structural Drying and Other Related Items) explains how allowances for drying as well as other related items may be included in an SFIP-insured claim payment.