At Quality Restoration, we understand that water damage can be devastating for homeowners. That’s why we want to help our neighbors in Springville, UT, and the surrounding areas navigate the process of filing a water damage claim with their homeowner’s insurance. Here’s a guide to help you through the process:
Contact Your Insurance Company
The first step in filing a successful water damage claim is to notify your insurance provider as quickly as possible. This allows them to begin processing your claim right away. It’s also essential to have photos or evidence of the damage readily available, so they can accurately assess the damage.
After you contact your insurance provider, a meeting should take place with an adjuster to assess whether any damages are covered under your policy. If so, they will inspect the damaged area, taking photos and measurements before estimating how much the damage costs and issuing you with a check for that amount.
At this evaluation, the adjuster will ask questions regarding where and how the water originated; who was at fault; as well as any documentation you may possess. Keeping a detailed record of your interactions with adjusters can help you provide an accurate representation of what happened and was said. This documentation can aid when filing claims later, as additional documentation or agreeing on different adjusters may be requested from you.
Before having an insurance inspection completed, it would also be wise to relocate any belongings in the affected area until then. This will protect against further damage while decreasing how much money needs to be spent on repairs.
If you hire a contractor for temporary repairs, save all receipts as this will form part of your total settlement agreement.
Document the Damage
When faced with water damage from leakage or flooding, it’s essential to document all damages immediately to expedite the claims process and provide evidence in support of your claim. Photographing or videotaping any water damage and damaged items will assist your insurance provider when filing a claim. In addition, providing them with an updated home inventory should help them accurately value all your belongings prior to flooding.
When dealing with leaky appliances such as water heaters or washing machines, it is wise to keep records detailing when and how long the device has been leaking for. This will give your insurance provider an accurate picture of whether or not your problem constitutes a covered loss.
As soon as damage occurs, it’s advisable to have a plumber inspect the area and take photos or video footage of its severity. Furthermore, drying-up areas where there may be water or mold accumulation could help avoid further destruction to floors, walls and baseboards.
Once you have documented the damage, it’s time to file your insurance claim. This can be done online, over the phone or through paper forms. Before filing your claim, contact your insurance agent or company and ensure you have all of the documentation needed. Early filing of your claim increases the speed with which the insurer can assess and pay for repairs.
Schedule an Inspection
Step one in filing a water damage claim is to reach out to your homeowner’s insurance provider and have an adjuster come and inspect your property. They may request photos and measurements to assess how extensive the damage may be.
Once they’ve assessed the damage, an adjuster will provide you with a written estimate of how much money it will cost to repair the property. They may ask questions regarding its cause and timing so as to accurately calculate repair costs.
Adjusters often ask if any temporary repairs have been completed on your property, so make sure to keep receipts for these works so you can submit them as invoices to your insurance provider and seek reimbursement from them.
If you are concerned about hidden water damage when purchasing a home, professional inspectors can perform an inspection to detect leaks or any other problems which might not be immediately visible to the naked eye. They have experience detecting problems which are otherwise undetectable by eye.