How To File A Claim For Water Damage In Your Home

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.

Tips for Purchasing a Washer / Dryer Unit

For many households, buying a washer/dryer is a long term investment that requires some thought. This is a piece of machinery that will be used several times every week within the home. That means that not only does it have to be sturdy, but it also has to be efficient, practical, effective and most of all, it needs to meet the specific laundry needs of the home. With all that in mind, here are some tips for purchasing a washer / dryer Unit that may come in handy next time you find yourself in need of one.

Washer Dryer Unit

Tips for Purchasing a Washer / Dryer Unit

Your particular needs

This is what will determine the size and capacity of washer that you need. Are a big family? One that needs to do laundry once every two days or are you a small family that would be fine with just a small capacity washer/dryer? Once you determine these needs, you can confidently walk into any home appliances store and ask for a washer/dryer unit that meets those needs.

Size and capacity

The washer/dryer size and capacity do not mean the same thing. Before heading out to buy your unit, you need to measure the space available in your home for the unit. Some homes have special closets for their washer/dryer units. Find out the width, length and even depth of these closets. There are a few brands that make slim washer/dryer units without losing out on the washing capacity. The most common sizes are 23 – 27 inches in width.

The capacity of the machine is measured in pounds. It shows the amount of clothes the machine can wash in a single load. Most families tend to make do with mid-sized machines that carry a single load of 11 pounds (5KG). Huge families often require 15 pound washers, this is a large sized unit. It all depends on the size of your family. Single people can go for the smaller capacity units while people with big families and small children can go for the large size ones.

Your budget

Your budget plays a huge role on the kind of machine you can buy. You can easily find machines that go for as little as a few hundred dollars to some that go for well over $2,000. When trying to narrow down your options, it is best to give great consideration to machines that are water and energy saving. They may cost more initially, but since this is a unit that you are going to be using every week for the next few years, the savings on water and energy add up considerably. In the long run, they tend to make more financial sense.

There are other factors that come into play. Factors such as settings, brands and color but those all depend on personal preference and to some extent, financial capabilities. The most important factors are the capacity, the size and the cost. You also must consider the warranties that come with the unit you buy and the estimated shelf-life. Some people prefer buying an all in one combo machine while others prefer stackable options. It is all about what you prefer and the kind of space you have in your home for the unit.