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How to File a Water Damage Claim

by John Milton
How to File a Water Damage Claim

Water damage can happen in the home or workplace unexpectedly and under many different circumstances. Depending on your homeowner’s insurance policy or any other policy you might have, the coverage available varies based on the damage incurred. If you are certain your policy addresses the damage, filing a claim allows you to get well-deserved compensation that covers the cost of replacing or repairing works. Professional water damage services can get the job done quickly and in an expert fashion, but it doesn’t come cheap. 

Fortunately, your insurance policy can help you offset the bill and ease the financial burden that comes with water damage. However, there are certain steps to take when filing a claim with your insurance policy. These include 

Policy Evaluation

Don’t just assume that your homeowner’s insurance policy covers the situation. Read through your policy to ensure your property is covered in the event of water damage. This is because most homeowner’s insurance policies cover the cost of water damage if it meets certain conditions. For example, the policy covers against pipe bursts in the home. Any damage resulting from a burst pipe in the home will be taken care of by your insurance policy. Your policy might not cover your property against flooding or weather-related damage unless you add flood coverage to the basic policy. 

So, don’t file claims for water damage blindly. Evaluate your policy before taking any steps to file a claim. Reach out to your insurance company only when you are certain that the policy covers your specific situation. 

Take Records

Now that you’re cleared and certain that your policy covers water damage in the home, the next step is to take proper documentation of the damage to your property. Take notes and photographs of any damage. Evidence supports your claim and allows the insurance provider to evaluate the possible problems associated with the damage. Of course, the insurance company will send an adjuster to the site to provide an assessment of the damage. 

Your insurance company will compensate you based on the assessments. 

Reach Out to Your Insurance Company

With proper documentation of the damage handy, the next step is to contact your insurance provider. The claims process ultimately starts after you’ve spoken to your insurance provider. Provide detailed information about the state of the damage and send in evidence when requested. 

Whether or not your claim will be approved depends on the circumstances surrounding the damage. However, filing a claim can be a tedious process. Thankfully, professionals who provide water damage services can help simplify the process. They will help you get the compensation you deserve and provide evidence to back up your claim. By filing for a water damage claim, you get the help you need for the restoration work in a timely fashion. 

As a homeowner, it is high time you double-check on your policy to see if you need additional coverage for water damage. Otherwise, you may have to bear the financial burden that comes with water damage yourself. 

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