Steps To Making a Water Damage Claim

5/26/2020 (Permalink)

If you are careful and thorough, you should successfully make an insurance claim.

Some people may go years without having to make a homeowner's insurance claim. In fact, it may even seem frustrating to pay insurance premiums for something you don't use. However, if you experience a disaster such as flooding, you will be relieved to rely on your insurance plan to help with the cleanup and restoration process. If you have never made a water claim, it's helpful to understand what steps you should take to help this process go smoothly and successfully.

Understand Your Policy
Before you can make an insurance claim, you should know what your policy entails. Many homeowners in Chalfont, PA, have no idea what coverage limits exist in their plan and what levels of coverage are in the policy. Review yours by doing the following before filing a water claim:

Know what types of water damage your plan will cover and which it will not
Know what your deductible is for different claims.
Read the fine print so you understand any exclusions or exceptions.

Gather Information
Before you can talk to your insurance agent about filing a claim, you should be prepared to show the company the extent of the damage. Take pictures of the flood and the items it ruined or affected. Take photos of your damaged home and any ruined belongings you have. You should also write down details about the incident, including how it started and how severe it was.

Call Your Agent
Whether the flooding occurred because of a pipe burst, sewer backup, or bad weather, you should file a claim as quickly as possible. Get in touch with your insurance representative and provide him or her with the information you have assembled. You should hire a professional flood cleanup company and coordinate efforts with the technicians and your insurance.

If you are careful and thorough, you should successfully make an insurance claim. You shouldn't have to be stuck paying the bill to repair your home.