Water damage is one of the most common insurance claims for both homeowners and business owners. Whether the ultimate cause was a severe weather event or a plumbing malfunction, water damage doesn’t take long to become permanent. If you need to file a water damage insurance claim, use these tips from Americlaims to remove stress from the equation.
Call Your Insurer ASAP
Water works quickly to cause permanent damage to building materials—and that’s not even considering the proliferation of mold. Do your best to start the claims process as soon as you reasonably can; after 48 hours of water seeping into your property, the damage will be more costly to repair.
Work With a Public Adjuster
Water damage claims are often very complex, as multiple possessions and building materials may be damaged or destroyed, and you might require mold remediation services. A public water damage claims adjuster can help you examine your insurance policy to see what’s covered and what isn’t. Plus, they’ll help you document damages, file paperwork, and thoroughly estimate repair and replacement costs.
Document All Damages
As soon as it’s safe to do so, walk through your property and take multiple photos and videos of everything that’s been damaged. From sodden drywall to soaked photo albums, you’ll need proof of every bit of the damage your property sustained to get a fair payout that covers all repairs.
If any of your possessions have been completely destroyed by water damage, wait to throw them away until your claim is resolved and you receive your settlement.
Begin Repairs and Restorations
Hold off on performing any repairs until the extent of the water damage has been fully documented. Fixing damage before your insurer examines it can throw a wrench in your claim and affect your ability to get compensation for those repair costs. This is why it’s so important to file your claim as soon as possible; you need to wait for authorization from your insurer before starting repairs.
Do you need to file an insurance claim in the aftermath of a plumbing leak or a severe storm? The public adjusters at Americlaims can help you expedite the process. Follow these tips as you file your water damage insurance claim, and you’ll feel less stressed as you rebuild your life.