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How To Process Your Water Damage Insurance Claim?

Water damage is something that any homeowner would want to avoid. However, if you are faced with water damage, you will need to know how to process your water damage insurance claim. There are a number of steps that you need to know about and work through with this.

Prevent Additional Damage And Secure The Property

The first step of your claim is to inform your insurance company that there has been flooding in your home and damage to your property. After this, you need to take steps to prevent any further damage to the property. You will need to board up any broken windows and doors as well as closing holes in the roof and turning off the water and power supply. The surviving valuables that you have in the property should be moved to somewhere dry and safe.

Record The Water Damage

It is vital that you take pictures or a video of the damage to your property. This provides you with indisputable evidence that there has been damage to the home and your valuables. At this point, you should not throw anything away and the scene should remain as unaltered as possible until the insurance adjuster is able to inspect the property.

Review Your Insurance Policy

Before you put a claim in for water damage, you need to ensure that your insurance policy actually covers this. There are a number of factors to consider when you look at your policy. You need to check if there are exceptions for water damage caused by floods, drain or sewer backups, accidental water damage from HVAC systems and mold remediation. You need to ensure that you are entitled to claim everything that you need to.

Detailed Inventory Of Damaged Possessions

Once you verify that you can claim, you will need to make a listing of all the possessions which were damaged by the water. To get reimbursement, you will have to list the make and model of the items, the age and current condition. The replacement costs will also need to be detailed along with the cash value of the individual items. A comprehensive inventory will be time-consuming, but is necessary if you want to receive reimbursement.

Do Not Start Repairs

Water damage does need to be taken care of quickly to stop mold and mildew setting in. However, you should not start repairs until after your insurance company has inspected the property. If you start repairs before the insurance company has approved them, you may not be reimbursed for them.

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Summary
How To Process Your Water Damage Insurance Claim?
Article Name
How To Process Your Water Damage Insurance Claim?
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Water damage is something that any homeowner would want to avoid. However, if you are faced with water damage, you will need to know how to process your water damage insurance claim. There are a number of steps that you need to know about and work through with this. Prevent Additional Damage And Secure The Property The first step of your claim is to inform your insurance company that there has been flooding in your home and damage to your property. After this, you need to take steps to prevent any further damage to the property. You will need to board up any broken windows and doors as well as closing holes in the roof and turning off the water and power supply. The surviving valuables that you have in the property should be moved to somewhere dry and safe. Record The Water Damage It is vital that you take pictures or a video of the damage to your property. This provides you with indisputable evidence that there has been damage to the home and your valuables. At this point, you should not throw anything away and the scene should remain as unaltered as possible until the insurance adjuster is able to inspect the property. Review Your Insurance Policy Before you put a claim in for water damage, you need to ensure that your insurance policy actually covers this. There are a number of factors to consider when you look at your policy. You need to check if there are exceptions for water damage caused by floods, drain or sewer backups, accidental water damage from HVAC systems and mold remediation. You need to ensure that you are entitled to claim everything that you need to. Detailed Inventory Of Damaged Possessions Once you verify that you can claim, you will need to make a listing of all the possessions which were damaged by the water. To get reimbursement, you will have to list the make and model of the items, the age and current condition. The replacement costs will also need to be detailed along with the cash value of the individual items. A comprehensive inventory will be time-consuming, but is necessary if you want to receive reimbursement. Do Not Start Repairs Water damage does need to be taken care of quickly to stop mold and mildew setting in. However, you should not start repairs until after your insurance company has inspected the property. If you start repairs before the insurance company has approved them, you may not be reimbursed for them.
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Long Island Fire, Mold & Water Damage Services
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