How to Handle a Home Water Damage Insurance Claim
If there’s recently been a serious flood in your area or you’ve had a pipe to burst inside of your home, there’s a pretty good chance that you’ve got some water damage. Luckily, by having home insurance, you should be able to file a¬†water damage insurance¬†claim – one that will provide you with some of the money that you need in order to get your house back to normal.
If you’ve never filed a water damage insurance claim on your house before and you’d like some insight on what you should do in order to expedite the procedure, here are five tips that can make filing easy and painless below:
Contact your insurance company.¬†The very first thing that you should do when you notice any signs of water damage inside of your home is to contact your insurance company immediately. Here’s why: Although with most insurance companies, sudden signs of water problems are covered, if you allow the damage to fester, there is a chance that your claim will be denied.
Ask what they need.¬†While you’ve got them on the phone, be sure to ask them what they need in order for your claim to meet all of their guidelines. Thanks to modern technology, there’s a pretty good chance that they will ask you to document each item inside of your house that needs attention. Then, they will request either photographs or perhaps even videotape to prove your claim. Just make sure that you follow through with these things before doing any repair work. You’ll need it to support your decision to mend certain things.
Know what to do about repairs.¬†Speaking of repairs, being that there are so many websites like This Old House and DIY Network that offer tips on how to do your own, it’s important to know what you should attempt to fix and what you should let your insurance company give you permission to work on. For instance, if the water damage has resulted in large structural issues or expensive repairs, wait for the insurance company to give the green light on working on those. In most cases, they will want to send someone out to personally inspect those areas first.
Keep a log and receipts.¬†If you were to ask a company like¬†My Insurance Broker¬†for other things that you should do as it relates to filing a claim with your water damage insurance, something else that they would probably advise you is that you make sure that you keep a log of everything you’ve done surrounding your claim (including the first day that you actually contacted your insurance agent). Also, as you’re in the process of replacing items inside of your home, make sure that you hold on to all receipts. That will be the proof that you need in order to get reimbursed by your insurance company.
Don’t throw anything away (without permission).¬†Although you should do all that you can in order to clean up the water damaged space, keep in mind that you shouldn’t throw any of your damaged or removed property away until your insurance company says to. It’s something else that will help with the claim process. For information on how to know if your home insurance covers all forms of significant water damage, visit HomeGuides.SFGate.com and put “does homeowner’s insurance cover water damage” in the search field.