If your home has been damaged by a flood and you have a homeowner’s or a renter’s insurance policy, you should file a claim for water damage. Your insurance provider should cover the cost of the cleanup and restoration process, but you need to go over your policy to get a better understanding of how much coverage you have and what you are covered for.
It is important to document the extent of the damages when filing your claim. The best thing to do is to call your insurance provider as soon as the damage occurs. Let them know what happened and ask some questions about what you need to send when you file a claim. The requirements might vary from one insurance provider to another.
You need to take some pictures to document the damages caused by water. Take as many pictures as possible and try showing every area that has been affected. Take notes while you snap the pictures so you can easily explain where each picture was taken. You need to take some close-ups so that insurance experts can easily determine how bad the damages are.
Take some pictures before and after the clean-up process. Taking pictures before the clean up process is a good way to prove that your home was damaged by water and taking pictures after the clean up process is the best way to document the extent of the damages. Your insurance provider might decide to send one of their experts to your home to inspect it.
Find out if your insurance company will cover the cost of cleaning up. If yes, you need to get a written receipt from the water clean up company you choose. Make sure your insurance provider approves of this company and will reimburse their fees. Get a detailed receipt of all the services provided along with the different fees.
You will probably have to pay a deductible while filing your claim.
Contact your insurance provider to find out how much you need to pay and how you should pay it. Your insurance provider might wave the deductible in some cases, for instance if a flood is considered as a natural disaster and affected a large area.
Filing a claim for water damage should be a priority because it can take some time before your claim is reviewed. It is best to talk to an insurance agent on the phone if you have any questions regarding how you should file the claim.