How To File a Homeowner's Claim for Water Damage

1/14/2021 (Permalink)

How To File a Homeowner's Claim for Water Damage

If your home in Mickiddyville, OK, suffers serious water damage, you will want to file an insurance claim. Your homeowner's policy will spell out what damages and expenses are covered, and it will provide some information on how to file a claim. Don't worry if you are unfamiliar with the process. You will get help along the way. Knowing a few things ahead of time, though, will make things go more smoothly and could even result in you getting reimbursed in a more timely manner. If you have a flood of water in your home, you will be dealing with several issues all at once.

Speak With Your Insurance Professional

One of your first calls should go to your insurance agent. This will give you vital information such as whether you are covered and what you have to pay for a deductible. You should also ask how long you have to file an insurance claim. You may be required to take some or all of the following measures:

• Fill out some paperwork
  
• Allow an adjuster to inspect the damage
  
• Identify areas of damage
  
• Document damage with photos or notes
  
• Locate receipts of damaged items
  
  

Don't be afraid to ask questions. Whether the water damage is caused by a pipe burst or a sewage backup, the entire process can seem overwhelming at times.

Obtain Additional Help
Few people recover from a major water issue without a lot of assistance. A qualified water mitigation team will come to your home and remove standing water and repair water damage. A crew of highly-trained workers will inspect and assess the property and then go to work to remedy any problems. The right company can also help you streamline your insurance claim. Representatives experienced in insurance issues will document restoration expenses and send these materials directly to your insurance company. This will speed up the process and make sure you get reimbursed for all damages and expenses.