If You are looking for Water Damage Insurance Claim Tips, check out this post to know them as the article is here to guide You. Water damage is among the most common claims filed by homeowners year after year. A lot of water damage claims are covered by their home insurance policy but many needs to be handled by flood insurance.
From reports from the Insurance Information Institute, water damage claims have only beat out by wind and hail damage over the allotted period of observance. This makes it the second-highest percentage of losses.
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Water Damage Insurance Claim Tips
Below You will get to know seven of the Water Damage Insurance Claim Tips.
1. File a Claim Immediately
Filing a home insurance claim should be the first thing You should do when You notice any water damage in Your home. However, You will need to file a claim with Your flood insurance provider if the water damage was due to flooding.
But You should first ensure to file a claim because it gets the balls rolling with Your insurance company. Also, if You file a claim quickly, it will be quicker for an adjuster to survey the damage and the quicker You can get a check for the repair to get Your home back to normal.
2. Move Undamaged Stuff or Possessions from Harm’s Way
You will want to move any of Your undamaged possessions out of harm’s way after You file a claim. If You are filing a water damage claim, there is a chance that You have a lot of damaged items, so, moving undamaged items before the water gets to them will limit Your claim. Doing this also allows You to see what’s damaged and what is not damaged.
3. Document all Damaged Items
Also, You will want to document all the damages by taking photos and videos after the water damage claim has been filed. Also, You have to document the standing water if there is any and document all the items that were damaged by the water.
Documenting these items can make sure You can rebuttal any damage that may be unaccounted for during the claims process. Also, having a proper home contents list in place can help You more precisely document the possession You own and the value they carry.
This is just a document listing all the possessions when You bought them, how much You bought them for and also any pictures of the items if You still have them.
4. Drain the Water
You will want to drain the standing water after documenting all of Your damaged possession and areas of Your home. Doing this can help to prevent further damage like water seeping into Your floors and walls and spreading through the wood and flooring.
5. Dry the Water-Damaged Zones
You should also ensure to dry the Dry Water-Damaged Zones or areas as this can prevent mould growth. Having a black mould spread throughout the affected area and having to file another home insurance claim for mould remediation and removal is the last thing You want to do after filing water damage.
6. Keep all the Damaged Properties and Items
Also, You should ensure to keep all the Damaged Properties and Items until Your insurance adjuster has had a chance to thoroughly examine them and make an assessment of how much You will get to replace and repair them.
7. Start the Recovery Process
Also, You will want to be off from making any repairs until You have been given permission to do by Your insurer. Waiting for Your insurer’s authorization prevents the risk of making repairs that are not factored into the total claim value. But it is okay to throw up a tarp or plywood if Your roof wall is leaking to prevent further water damage.
Types of Water Damage Claims
Let’s take a look at some of the most common types of water insurance claims since water knows no bounds and can easily sneak into Your home through different forms. Since flooding is not covered by home insurance, You must purchase a flood insurance policy to protect Your home, belongings and financial future.
Also, a lot of instances of water damage are covered by Your home insurance policy, In addition, loss of use of coverage can help to reimburse You for additional living expenses you incur if water damage temporarily forces You out of Your home.
So, the list below contains some of the most common water damage claims filed each year.
- Sewer Backup
- Heavy Rain
- Clogged Toilets
- Leaking Roof
- Melting Snow
- Foundation Cracks
- Bursting Pipes
- Broken Appliance
- Plumbing Leaks
These are some of the most common water damage claims filed each year.
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