Water Damage Insurance Claim: 5 Things You Need to Know
Water Damage Insurance Claim Information
1. First, eliminate the source of the water. The most important thing to do is address the source of the issue. If it’s standing water from a hurricane or flood, the water removal may be more of an involved process than if a water heater or appliance broke. Do anything possible however to stop the damage from getting worse, and many times there are water damage remediation companies that can give you a quote on the cost of cleaning up water damage.
2. Document the claim as thoroughly as possible. It’s very important to note the following pieces of information, and they may become vital for submitting a water damage claim.
- When did it begin?
- Have you done anything to the home?
- Describe the damages? Be careful and thorough when answering. You want to make certain that you give a true and complete picture. Describe all the damage and don’t leave anything out.
3. Document the loss with photos. Do not throw away any damaged goods until after an inventory is taken.
4. Call a water restoration company such as a local ServPro or ServiceMaster franchise or other reputable local company immediately. Professional water remediation companies will be able to assist by:
- Using moisture meters (hand held or infrared camera) to determine where the affected areas are.
- Find best course of treatment to deal with the water intrusion. The remediation company will use multiple tools to help with the dry out. They may bring in several industrial fans, dehumidifiers and other devices to help dry out. Remove interior and exterior wet drywall as necessary, but typically this is only done in extreme cases.
- Apply antimicrobial chemicals to prevent mold or mildew growth.
- Remove other building components (such as carpeting) as required.
- Remove furniture, clothing, and personal items from the affected areas.
5. Call Sentry Public Adjusters before you submit your water damage claim to your insurance company! We can help you make sure your claim is prepared properly, so that you get the most money for your water damage claim. Homeowners who used a public adjuster to prepare their property damage claims on average received 747% more than when filing solo!