Everyone should know how to maximize a water damage claim. When your pipes springs a leak or the ceiling begins dripping, you might thank your lucky stars you have homeowners insurance. You’ll be covered for each of the damage whenever you make a water damage claim–appropriate?
Most homeowners do have this policy, but insurance companies are encouraged to keep your claim amount low. Additionally, there are some mistakes you can make that will help them. Do not worry. Follow this advice for homeowners insurance claims to get the coverage you’re owed.
Limit the Damage
Once you realize you have water damage you should take action to limit it. Otherwise, your insurance company may have the right to deny any or all of your claim, on the grounds that you didn’t intervene.
The actions you can take depend on what kind of water damage you’ve got. If you’re experiencing a windstorm that’s broken your windows and let in water, then board up your windows. When you have a plumbing leak, turn off the water to the home.
You should also call the relevant professional as soon as possible, whether that’s plumbers, roofers, or restoration specialists. They might know of additional actions you may take to limit the damage, and they can start working on repairs. However, you might not want to sign off on major repairs until your claim has gone through, as you might not be qualified for the full repair sum by your insurance company. If you decide to wait, do receive an estimate you can demonstrate the insurance adjuster.
Also, it’s critical that you don’t throw out any damaged items yet. Collect water-damaged debris and items from plastic bins or totes so that you have physical proof for your adjuster.
Your insurance company will require evidence to assess your claim. Take photos of each the damage, and be comprehensive. Also include anything that could have caused the damage, like a broken pipe or a hole in the roof.
Consider taking a video to supplement the photos. It’s hard to be comprehensive with a video as with photos, but videos are more persuasive and supply a new perspective about the damage which photos can’t really capture. If your claim ever has to be taken to court, videos are extremely illustrative. While you’re recording clarify what you are seeing.
Written evidence is also significant. Make an inventory of what’s been damaged and include each product’s value and the estimated cost to replace it. If you are not sure, your restoration experts should have quantities for common items like drywall. They are also able to help you research the value of a piece of furniture or other items.
Have the other professionals you’re working with produce reports and quotes that describe what occurred and exactly what it will cost to fix the damage. Experienced roofers and technicians must be familiar with this procedure. In case you decide to pay for any fast repairs up-front, make sure you keep your receipts.
Now it is time to contact your insurance company. Do not delay doing this, or you also jeopardize your claim. Even in the event that you believe you can make the repairs yourself, calling today will save you a headache later. If you’re unsure water damage is covered by your policy, you still need to try to submit a claim. The company will let you know if you’re not insured, and there’s no penalty for asking.
Before you make the call, pull your policy number, as it’s the first thing they’ll ask for. The insurance company will probably inform you that you’re required to fill out a”proof of loss form.” Or, ask them in which the form can be found on their website so you can print off it.
If you find this procedure unnerving, or do not have time for this, your restoration specialists can make the claim for you. They have a lot of experience with making powerful claims of all sizes.
Can It Be Flood Damage or Water Damage?
For an insurance company, there is a big difference between flood damage and water damage. Floods are brought on by nature and normally effect more than one house (there are exceptions to large rural properties)
So be sure to be clear with your insurance company concerning which kind of damage your home has undergone so that they can guide you to the ideal forms and supply you with the ideal coverage.
- Take a Public Adjuster
The water damage insurance claim procedure can be gradual. It’s usually wiser to hire a public adjuster if it is possible, especially if your claim is big. These professionals are not tied into the insurance company, so that they are looking to get the truth, not looking to minimize the insurance company’s payout.
- Don’t Use Their Vendors
After they have assessed the water damage, your insurance company has yet another 15 days to make a decision on your claim. Should they accept some or all of the claim, they have another 5 days to send you the money.
In this time period, the insurance company might encourage you to utilize their vendors. Nonetheless, these professionals receive their work through the insurance company, so they are likely to support the company’s best interests instead of yours. You want someone who’s on your side, so select professionals that you trust to make the repairs.
Are you worried about maximizing your water damage case? Restoration Brothers will handle your claim for you, from begin to finish. We’ll ensure your best interests are served so you receive the coverage to which you’re eligible.