Everyone should know how to maximize a water damage claim. Whenever your pipes springs a leak or the ceiling starts dripping, you may thank your lucky stars that you have homeowners insurance. You’ll be covered for each the damage when you make a water damage claim–appropriate?
Most homeowners don’t have this policy, but insurance companies are motivated to keep your claim amount low. Additionally, there are some mistakes you can make to assist them. Don’t worry. Follow these tips for homeowners insurance claims to get the coverage you are owed.
Limit the Damage
Once you realize that you have water damage you should take action to restrict it. Otherwise, your insurance company may be able to deny any or all your claim, on the grounds that you didn’t intervene.
The actions you can take depend on what kind of water damage you have. If you’re experiencing a windstorm that’s broken your windows and let in water, then board up your windows. If you have a plumbing leak, turn off the water to the home. If you have a roof leak, then it’s possible to place a tarp up to temporarily block the rain.
You should also call the applicable professional as soon as possible, whether that’s plumbers, roofers, or restoration specialists. They may know of other actions you can take to limit the damage, and they are able to begin working on repairs. However, you may not wish to sign off on major repairs until your claim has gone through, as you may not be approved for the complete repair amount by your insurance company. If you choose to wait, do get a quote you can show the insurance adjuster.
Also, it’s critical that you don’t throw out any damaged items yet. Collect water-damaged debris and items in plastic bins or totes so you have physical proof for your adjuster.
Collect Water Damage Evidence
Your insurance company will need evidence to assess your claim. Take photos of each the damage, and be more comprehensive. Also consist of anything that could have caused the damage, like a broken pipe or even a hole in the roof.
Think about taking a video to supplement the photos. It is difficult to be as comprehensive using a video as with photos, but videos are more persuasive and offer a new perspective about the damage which photos can’t quite capture. If your claim ever has to be taken to court, videos are very illustrative. While you’re recording describe what you are seeing.
Written evidence can also be important. Make an inventory of what has been damaged and include each item’s value along with the estimated cost to replace it. If you are unsure, your restoration experts should have amounts for common items like drywall. They are also able to help you research the worth of a piece of furniture or other products.
Have another professionals you are working with create quotes and reports that describe what happened and what it will cost to fix the damage. Experienced roofers and technicians should be comfortable with this procedure. If you choose to cover any fast repairs upfront, make sure you keep your receipts
Report The Water Damage
Don’t delay doing this, or you jeopardize your claim. Even in the event that you think you will make the repairs , calling now will save you a headache later. If you are not sure water damage is covered by your policy, you still need to try to submit a claim. The company is going to let you know if you’re not covered, and there’s no penalty for asking.
Prior to making your call, pull out your policy number, as it is the first thing they’ll ask for. The insurance company will likely inform you that you’re expected to fill out a”proof of loss form.” If that’s the case, be sure to ask them to send you a copy by email (mail takes too long). Or, ask them where the form is seen on their site so that you may print it off.
They have a lot of experience with making powerful claims of all dimensions. Floods are caused by nature and generally effect more than one house (there are exceptions to large rural properties). Everything else, from broken pipes into leaking HVAC equipment, is water damage.
While most homeowners insurance policies cover water damage, not all cover flood damage. So be sure to be clear with you r insurance company about which kind of damage your home has undergone so that they can steer you into the ideal forms and provide you with the right coverage.
Speak With An Insurance Adjuster
The water damage insurance claim procedure can be slow. Your insurance company has 15 days to send an adjuster, who will evaluate the water damage. It is usually wiser to hire a public adjuster if it is possible, especially if your claim is big. These professionals aren’t tied into the insurance company, therefore they are wanting to get the truth, not seeking to lessen the insurance company’s payout.
Don’t Use Their Vendors
If they approve some or all the assert, they have yet another 5 days to ship you the money.
In this time, the insurance company may encourage you to utilize their sellers. They will have their own trusted plumbers, roofers and restoration experts. However, these professionals get their work via the insurance company, so they’re very likely to encourage the company’s best interests instead of yours. You need someone who’s on the side, so choose professionals you aspire to make the repairs.
Are you concerned about maximizing your water damage case? The experts at Restoration Brothers will take care of your claim for you, from start to finish. We are going to make sure your best interests are served and that you receive the coverage to which you’re entitled.