6 Key Steps in Filing a Water Claim

10/7/2020 (Permalink)

The faster a SERVPRO arrives on-site to perform water cleanup, the better the results; including lower claim costs.

Six Tips For Making The Procedure Smooth

Homeowners in Leonard, OK, purchase property coverage to assist during times of unfortunate incidents. Flooding, busted pipes, and sewage spills happen suddenly, harming the structure and quickly escalating remediation costs. Filing an insurance claim is an opportunity to avoid paying full cost. Policyholders rely on it to make repairs possible, restoring the house's condition. This process demands attention to detail and time. The following are six tips for making the procedure as smooth as possible.

1. Locate your Policy
Be informed before you initiate a request. Not all companies handle flood issues. This is often a specific add-on; therefore, read through the documents carefully, determining whether your condition is covered. Note the deductible and any stated limits.

2. Establish Communication
Call your insurance agent, describing the event. Have your policy number handy, and state the reasons you feel this should be handled. Ask questions about upcoming procedures, and inquire about anything that is necessary from your end.

3. Acquire Assessments
While you wait for the agency to process the insurance claim, begin evaluating any immediate cleaning concerns. First, have the area tested by a water restoration company. The experts should examine for humidity levels, content conditions, air quality, mold presence, and water contamination. With this accomplished, they can guide the operations.

4. List Property Loss
Create a report that records any items destroyed, requiring replacement or demanding attention. It's better to put as much down as possible. Write out the name of the belonging or fixture. Research a replacement cost. Turn this inventory over for review. This should include anything personal as well.

5. Document Damage
When the pipe burst, it spread dampness throughout a room. Photograph everything. The pictures support your inquest. In addition, save any receipts. Consider scanning them into a file for safe keeping.

6. Meet With the Adjuster
Insurers send their own experts to the scene, verifying inquiries. Have out your own proof. Walkthrough the property together.
An insurance claim is based on your plan's information and your ability to support your inquest. Spend time gathering evidence, specifically professional opinions, and images.