Water damage can strike unexpectedly—from burst pipes to heavy rains—and filing an insurance claim properly can make all the difference in how quickly and fairly you’re compensated. Here are some practical tips to help you navigate the process:
1. Act Quickly and Stay Safe
- Shut off the water source if possible.
- Turn off electricity in affected areas to avoid hazards.
- Document the date and time the damage occurred.
2. Document Everything
- Take clear photos and videos of the damage before cleaning or repairing.
- Keep a record of all affected belongings, including receipts if available.
- Save copies of communication with contractors, adjusters, and your insurance company.
3. Review Your Policy
- Understand what type of water damage is covered (sudden pipe bursts may be covered, but gradual leaks or flood damage might not).
- Check limits, deductibles, and exclusions.
4. File Your Claim Promptly
- Notify your insurance company as soon as possible.
- Provide detailed documentation when submitting your claim.
- Ask for a claim number and keep track of all updates.
5. Prevent Further Damage
- Take reasonable steps to stop water from spreading (e.g., drying out carpets, using fans, removing soaked items).
- Do not throw away damaged items until the adjuster has inspected them.
6. Work With Professionals
- Get repair estimates from licensed contractors.
- Consider hiring a public adjuster if your claim is large or complicated.
7. Keep Records of Expenses
- Track temporary living costs (like hotel stays) if your home becomes uninhabitable.
- Keep receipts for repairs, supplies, and emergency services.
