Tips for Filing an Insurance Claim for Water Damage
Steps In How To Make An Insurance Claim
1. Know What Your Policy Covers
Before you find yourself in this situation, look into your home insurance policy to see what it covers. If your home is flooded by water from bursting pipes that gave no warning, your claim will probably have a higher chance of being approved than slow damage caused by you neglecting to fix the broken pipe. Looking into this before disaster strikes gives you an opportunity to purchase supplemental coverage if you'd like.
2. Record the Damage
Your insurance company will want records of what happened, so as soon as you discover a problem, take photos of it. If your belongings are damaged, take photos and inventory of them as well, and then do your best to keep the scene as it is. It's obviously a good idea to triage the situation and keep further damage from occurring, especially from dramatic causes like bursting pipes, but don't start discarding ruined belongings or making permanent repairs yet. This will allow your insurance adjuster to get a better picture of what happened when they visit.
3. Be as Detailed as Possible
When you submit your insurance claim, make sure you're as detailed as possible. It's a good idea to include your list of damaged items, as well as the photos you took. The specific steps to making a claim will vary by provider, but as you go through the process, make sure you keep detailed records of who you talk to about what. This will help you keep the process moving along steadily.
Whether your home floods from bursting pipes or a slow, steady leak, it's important to be prepared to make an insurance claim. Do your research ahead of time and keep careful records when it happens, and the process of seeking water damage remediation will go much more smoothly.