Claiming Insurance 101
After doing some research I learned that according to the ISO, water damage increases every year compared to the damages caused by other things like wind or hail. Now, the tricky part would probably be WHEN the insurance company denies some claims due to specific reasons. That’s is why it is very crucial if you’re a water damage insurance holder, do your research educate yourself on the do and don’t and what you’re covered in.
Moment of truth: How to claim insurance for water damage
- Contact your insurance company ASAP- most companies have specific deadlines to report your claim after you’ve been impacted. Make sure you immediate reach out to then so they can begin to make the necessary arrangements to your claims.
- Make a list of your damaged property- documents everything. Take pictures and videos of any damage caused by the water. This could help you and your insurance to easily determine the cause and effect of the water damage
- Protect your things- some insurance companies may deny claims if they see that some repairs were made before the home was inspected, therefor make only temporary repairs (if necessary).
- Keep receipts- some insurance will give you the ability to repaid before you cite is inspected, so if this is the case be sure you save your receipts in the event your insurance can reimburse you for those fixes.
- Be present- in case your home is found to be damaged have your contractor come with you so he or she can talk to the adjuster about the damage. This may also provide you the help you need to get the maximum amount for the water damages.
- Get a certification if the damages are caused by an appliance leak- the inspector will give you a certificate for the water damage to your cite. Make sure you keep that certificate for your insurance claim. Otherwise, your claim will be denied unless you can show proof of the damage aside from the certificate from the inspector.