Valuable Tips for Filing an Insurance Claim for Water Damage

3/8/2018 (Permalink)

Having to file a claim from water damage is something that is never expected.

Having water damage is never something expected. Coming home to a house filled with water can be a traumatic experience. It can be hard to think about the appropriate steps to take to resolve the issue as quickly as possible to limit secondary damage and keep the out of pocket cost to a minimum. Below are some tips to help make filing an insurance claim easier.

Something to Know:

Every insurance policy is different. Therefore, what will be covered may only be determined by reading your policy or calling your insurance agent/insurance company to have them determine coverage. 

Knowledge is Power:

Be sure you know who your insurance company is and how to contact them. You may want to list the phone number for your insurance company on your refrigerator for easy access. You could also add your insurance company's 24 hour emergency contact number to your cell phone to have ready at all times. You never know when this information is going to be important. 

Stay Calm:

This experience can be upsetting. It's important to stay calm when you are talking to your insurance company so they can ask all the essential questions to set up your claim and get the ball rolling. 

Take Pictures:

Document the situation every step of the way to help your insurance company understand the full extent of the damage. Take pictures of every room that sustained damage, structural materials affected and personal items. These pictures will help your adjuster understand the full picture of what happened and what will be involved in restoring your house and the contents affected.

Ask Questions:

Resolving the water damage issue can be very confusing. Feel free to ask as many questions as you can think of to your insurance company so that you understand what will happen next every step of the way. It's important to know what your roles are and what your insurance company will be doing for you.

Use a company with IICRC Certified Technicians:

While there are many companies that may be willing to help you clean up from your water damage, it is important to utilize a company that has technicians who have been trained to properly perform mitigation. SERVPRO prides itself on the fact that our technicians are IICRC certified. Our technicians go through on-the-job training and complete IICRC training so that we can keep up with the latest techniques and technologies to dry your home out quickly to eliminate further damage. Education and training is very important to satisfying our customers. http://www.IICRC.org/education-certification/