How To Make a Strong Water Damage Insurance Claim

8/23/2021 (Permalink)

Water damage to a kitchen floor.

How to File a Successful Water Damage Insurance Claim

No matter the reason, water damage can be a costly problem for homeowners. While an insurance claim may not be the first thing on your mind while in the middle of a disaster in Lynnville, TN, there are steps you may want to take before you clean up the flood water to make sure you can make a solid insurance demand.

1. Insurance - If you have renter’s insurance or homeowner’s coverage, you need to determine if the damages are covered. Flooding due to factors completely out of your control are typically included. Flooding that results from a pipe burst when pipes are poorly maintained is generally not covered under an insurance policy. Therefore, present your claim with your best evidence.

2. Pictures - Photos of the affected area can be a solid statement to your insurance company. Taking pictures while the water is still standing, and then again once the water is removed, can help your insurance adjuster assess the incident. Calling in a restoration team to document the cleanup procedure can also help solidify your insurance claim.

3. Inventory - Once you have contacted the insurance company, and the restoration team has finished its cleanup, it is time to take an inventory of your personal property damage. When noting items, it is important to include the make, model, and function of each article. If you have time, list the replacement cost or value of each piece as well.

4. Settlement - When the adjuster visits the flood site, make sure you are there to answer any questions about the incident. After the insurance company offers a settlement, they often give you half the money in advance of the repairs. When you can show the repairs are completed, the other half of the money will typically be paid out.

Water damage can be costly in Lynnville, TN, and an insurance claim can take time. By being proactive, you can help make sure your claim is a strong one.v