Know The Right Way To File A Water Leak Insurance Claim

11/30/2020 (Permalink)

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SERVPRO Can Communicate With The Insurance Company On Your Behalf

Experiencing any damage to their property can be stressful for the owner. Not only does the incident take time, but the restoration procedure can be costly as well without insurance. 

But, if you did take precautionary measures and get coverage, you will save plenty of money and hard work. All you would need to do is file an insurance claim.

What is a homeowners insurance claim for water leaks?

Filing an insurance claim can be challenging for people, especially those doing it for the first time. So, let’s see how you can file an insurance claim for water damage; after all, it is the most common type of claim for households around the country. 

Once you file an insurance claim for water damage, there are a few things that you should keep in mind and take care of to avoid any complications in the process. 

Before we get into those essential steps, let us see how you can file an insurance claim in the first place.

Filing An Insurance Claim

Although steps for filing an insurance claim may vary, some standard steps get most jobs done. Here are all the general steps you need to take to file a claim.

1- Contact Your Insurance Company Regarding The Claim

The first thing you need to do is contact your insurance company and tell them about the water damage you suffered and the resulting claim you want to file. You can do this by contacting them by phone, email, or even live chat. They will then send you all the necessary forms for you to fill.

2- Meet The Adjuster

Although the time when the adjuster is bound to meet you after a claim has been filed varies according to the State you live in, typically, it is the next 15 days. So, once you have filed the claim successfully, the adjuster will visit your premises and assess the damages.

3- Get A Claim Verdict

Once the adjuster assesses the damages, he has another 15 days to decide whether the water damage claim is valid or not. During this time, you can look for water damage vendors who will restore your damages, such as SERVPRO, the specialists in water, fire, and mold damage restoration.

4- Negotiate

If you think that the settlement is not fair, or the verdict is not in your favor, you can negotiate with the insurance company for a more favorable settlement.

5- Agreement

Lastly, once you and the insurance company are on the same page, you can finally accept the terms of the claim, and the funds are supposed to be transferred within the next five working days so you can start the restoration process.

Claiming on house insurance for water leak

Keep the following things in mind while filing a water damage insurance claim.

Secure Valuable And Prevent Any Additional Damage

Keep your valuables in a safe and secure place for your peace of mind, and take reasonable steps to ensure there is no additional water damage to the property.

Record Proof Of Water Damage

Take photos or make videos of all the water damage to use as concrete evidence when filing an insurance claim. Just don’t throw away or alter anything before the adjuster comes and assesses the situation.

Review The Insurance Policy

Make sure your insurance policy covers the water damage that occurred on your property, or else the claim would fail inevitably. Some insurance policies do not cover water damage by floods and drain backup, while others do.

Make An Accurate Inventory Of The Damaged Property

To get a fair estimate about all the expenses for the restoration or replacement of damaged property, you need to make an accurate inventory, listing the make and model, replacement cost, and cash value of the damaged goods.

How SERVPRO can help

If you want a company that can do both - restoring water damage and communicating with the insurance company for filing the claim - SERVPRO is here for you. With years of experience and countless damage restorations, we ensure complete client satisfaction. 

With SERVPRO of Union, Towns, Fannin & Gilmer Counties on your side, you can get the compensation you deserve for the damage alongside world-class complete water damage restoration.