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Fire & Water - Cleanup & Restoration

How To Make an Insurance Claim After Water Damage

11/30/2020 (Permalink)

Filing an insurance claim doesn’t have to add stress to a water disaster

How To Make an Insurance Claim After Water Damage

Making an insurance claim after water damage in your home is an important step to restoring your property in Dickson, TX. Each homeowner’s policy differs, but making a claim is similar for most people. Familiarizing yourself with this process beforehand will help you feel confident should the time come to activate your policy. It’s always better to be prepared, so if it’s been some time since you reviewed your coverage, make it a priority before every storm season.

Check Your Policy
Understanding your policy is key to getting back on your feet quickly. If possible, check your policy or ask your agent about these items before a water disaster or flood occurs:

  • The amount of your deductible
  • What kind of damage is covered
  • Expenses that are eligible for reimbursement
  • The paperwork required to file an insurance claim
  • Whether security or restoration services are covered
  • The preferred service providers for cleanup
  • The availability of temporary relocation housing

In addition, keeping the receipts from any related expenses is vital. Make digital copies of these and then put them in a safe place for your agent to access later.

Document the Damage
If damage has already happened from a pipe burst or other leak, it’s important to make documentation as soon as it's safe to do so. After calling your insurance agent, make sure to take photos and make a written list of the affected items. Videos are another important tool that an insurance adjuster can use to assess losses. Your water damage restoration specialist may need to make temporary safety precautions to protect your home from weather, theft or animals; having thorough documentation is vital so that the adjuster can see the original state of the flood damage.
Filing an insurance claim doesn’t have to add stress to a water disaster. By checking your policy, making documentation and following your agent’s advice, you’ll be on your way back to normal in no time.

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