One of the many problems homeowners have to prepare for is water damage from broken pipes, appliances, and floods or other disasters. In many areas flood insurance is mandatory. If you need to file a claim with your insurance company for water damage, there are several steps that you are required to take.
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Check what kind of water damage coverage you have. Be certain that your policy will cover your water damage claim. Standard home insurance may only cover certain types of water damage, and more comprehensive coverage will offer more protection.
Call your insurance company's claims department. State that you are filing a water damage claim and provide the necessary information such as your contact details, insurance policy information and the details of your water damage claim.
Take pictures, or use video if possible, of all the damage, including items, water levels, structure damage and any property damage. Try to document everything in writing. Do not throw away any damaged items unless they pose a health or safety risk.
Make repairs if they are needed to prevent further damage. Do not, however, make large or permanent repairs unless advised by your insurance company to do so. Save all your receipts and records for repair time and expenses.
Fill out a proof of loss form with your insurance company. Ask your insurance company for the exact form needed and procedures required for the company. This form acts as a sworn statement that backs up your insurance claim and in most cases is required.
Follow up with your water damage claim as many times as needed. Take an active role in contacting your insurance company to inquire about the status of your case and what the normal processing time is, which will vary with different insurance companies. However, follow-up is not necessary if your insurance company is diligent in providing you with the status of your claim.
Filing a Water Damage Claim
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