How To File a Water Damage Claim

11/24/2020 (Permalink)

Homeowners may file an insurance claim, seeking financial assistance in the restoration efforts

Follow These Four Steps

When a home in Mount Prospect, IL, suffers from water damage, homeowners may file an insurance claim, seeking financial assistance in the restoration efforts. The process, for many, may seem intimidating, but it doesn't have to be that way. By taking initiative and remaining organized, residents can make the experience easier. It's important to follow these four steps, always remembering to record every effort made.

1. Report the Damage
If the flood destroyed structural materials and personal belongings, immediately call your insurer to request assistance. It's important to relay the details of the initial event and ask questions about your policy. Double-check the deductible amount and the total coverage that is available.

2. Arrange for Inspections
Obtain an assessment from a water remediation company. The professionals should check the moisture saturation levels and determine how much tear out, drying and construction are needed to repair the space. In addition, the insurer should send an adjuster to review the premises. Be available during this time to walk the property together and point out any problems. The company uses the adjuster's report and other estimates to evaluate the insurance claim.

3. Photograph Everything
Evidence of the issues is important. Before any work is done, take photos of the pipe burst and any subsequent destruction. Soggy carpets, ruined drywall and soaked valuables should be noted. Usually, policyholders have both personal loss and property loss coverage. Be sure, therefore, to record everything of concern. Save these in a file on your computer and share them with the agency.

4. Submit Receipts
Begin any immediate cleaning. Delaying too long could cause further complications. Make a list of all the expenses. Send this itemization with the receipts to your insurer to file toward your insurance claim.
Don't hesitate to work with your insurance agency to get the monetary support required to fix your house after a pipe burst or flood. Remember to remain clear and structured with each step.