Everyone should understand how to optimize a water damage claim. When your pipes springs a leak or the ceiling begins dripping, you might thank your lucky stars that you have homeowners insurance. You’re going to be covered for each the damage when you make a water damage claim–right?
Most homeowners do have this coverage, but insurance companies are encouraged to maintain your claim amount low. Plus, there are a number of mistakes you can make that will help them. Do not worry. Follow this advice for homeowners insurance claims to get the coverage you are owed.
Limit the Damage
As soon as you realize you have water damage you should take action to restrict it. Otherwise, your insurance company may have the right to deny any or all of your claim, on the grounds that you did not intervene.
The activities you can take depend on what type of water damage you have. When you’ve got a plumbing leak, switch off the water to the home. For those who have a roof leak, then you can put a tarp up to temporarily block the rain.
It’s also advisable to call the relevant professional as soon as you can, whether that’s plumbers, roofers, or restoration specialists. They might know of other actions you may take to limit the damage, and they are able to begin working on repairs. But you might not want to sign off on major repairs until your claim has gone through, as you may not be approved for the complete repair sum by your insurance company. If you decide to wait, do get a quote you are able to demonstrate the insurance adjuster.
Also, it is critical that you don’t throw away any damaged items nevertheless. Collect water-damaged debris and items in plastic bins or totes so that you have physical proof for your adjuster.
Your insurance company will require evidence to evaluate your water damage claim. Take photos of all the damage, and be more comprehensive. Also include anything which might have caused the damage, like a broken pipe or even a hole in the roof.
It’s difficult to be comprehensive using a video as with photos, but videos are more persuasive and supply a new perspective on the damage that photos can’t quite capture. If your claim ever has to be taken to court, then videos are extremely illustrative. While you’re recording describe what you are seeing.
Written evidence can also be important. Make an inventory of what’s been damaged and include each item’s value and the estimated cost to replace it. If you are not sure, your restoration experts need to have quantities for common things like drywall. They are also able to help you research the worth of a piece of furniture or other products.
Have the other professionals you are working with create reports and quotes that describe what happened and what it will cost to fix the damage. Experienced roofers and technicians must be comfortable with this procedure. If you decide to pay for any quick repairs up-front, make sure you keep your receipts.
Now it’s time to contact your insurance company. Do not delay doing so, or you jeopardize your claim. Even if you think you can make the repairs , calling now will save you a headache later. If you are not sure water damage is covered by your policy, you should still attempt to make a claim. The company will let you know if you’re not covered, and there is no penalty for asking.
Prior to making the call, pull your policy number, as it’s the first thing they will ask for. The insurance company will probably inform you that you’re required to complete a”proof of loss form.” If that’s the case, make sure you ask them to send you a copy by email (email takes too long). Or, ask them where the form can be seen on their site so you can print it off.
They have lots of experience with making successful claims of all sizes.
Is It Flood Damage or Water Damage?
For an insurance company, there’s a difference between flood damage and water damage. Floods are caused by nature and generally effect greater than one house (there are exceptions to large rural properties). Everything else, from broken pipes into leaking HVAC equipment, is water damage.
So be sure to be clear with your insurance company about which kind of damage your home has experienced so that they can steer you to the right forms and provide you with the ideal coverage.
Consider a Public Adjuster
The water damage insurance claim process can be gradual. It’s generally more difficult to hire a public adjuster if it is possible, especially if your claim is large. These professionals aren’t tied into the insurance company, therefore that they are wanting to find the truth, not seeking to minimize the insurance company’s payout.
Don’t Use Their Vendors
Should they accept some or all of the assert, they have another 5 days to ship you the money.
In this time period, the insurance company may encourage you to use their vendors. However, these professionals receive their work via the insurance company, so they are likely to encourage the company’s best interests instead of yours. You need someone who is on your side, so select professionals that you trust to make the repairs.
Are you worried about optimizing your water damage claim? TSC Restoration will take care of your claim for you, from begin to finish. We are going to ensure that your best interests are served so you receive the coverage to which you are entitled.