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Fire & Water - Cleanup & Restoration

What You Need To Know About Filing a Water Damage Claim

10/25/2021 (Permalink)

Blue ballpoint pen, two antique brass keys and a home insurance claim from on a plywood clipboard It’s important to know exactly what your insurance covers before you file a claim. First, find out what type of water damage it covers.

What to Know Before Filing a Water Damage Claim

If your home has been devastated by water damage in Mesa Verde, CA, you’ll need to file a homeowner’s insurance claim to have some or all of the damage paid for. Filing a claim can be an involved process and there are some things you’ll need to do beforehand. Follow these basic steps to make sure you receive the maximum coverage possible.

1. Call Your Insurance Company

The sooner you inform your insurance company of the damage, the sooner you can begin the process of filing your claim. Make sure you have your policy number on hand and be prepared to answer any questions.

2. Make a Record of the Damage

Use photographs or video to record the damage to your home. Be as thorough as possible, gathering images of every item that has been affected, including furniture, electronics, flooring and walls. This will be important evidence when you file your insurance claim. Most importantly, do not throw anything away or make any repairs until an insurance adjuster comes to investigate the damage.

3. Review Your Insurance Policy

It’s important to know exactly what your insurance covers before you file a claim. First, find out what type of water damage it covers, for example from a flood, storm or pipe burst. If you need to vacate your home until repairs are complete, does your insurance cover temporary housing costs? Many policies do not provide for mold remediation or require you pay extra for it.

4. Make an Inventory

You’ll need to make a complete inventory of everything damaged during the flood. This should include each item’s make, model, age and condition.

5. File Your Claim

You’ll have to file a written insurance claim with your insurance company. Make sure you speak with your insurance agent to ensure that you have provided all the necessary information in your claim to avoid delays. Your property will need to be evaluated by an adjuster. If you can afford to hire a public adjuster in Mesa Verde, CA, you may be better off than if the adjuster works for the insurance company.

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