How to Make a Water Damage Claim
Do you ever pay your monthly insurance premium and cringe at the amount of money you spend? You’re not the only Mercer Island,WA, homeowner to stress out about these costs. On the other hand, with proper coverage, you can spare yourself grief and much more financial stress in the event of bursting pipes or other issues that leads to flooding at home. If water has damaged something in your house, you must understand the claims process so you can get the help you need.
Key Points to Know
You don’t want to have to make a claim for water damage, but you’re thankful you have that protection if something does go wrong. To alleviate your stress during this already anxious time, considering the following:
- Know the extent of your coverage. What does your policy cover?
- Document the type and extent of the damage.
- Contact the insurance company as soon as possible.
Get Familiar With Your Policy
You have homeowner’s insurance for a situation just like this, so put it to good use. However, policies can differ, so it’s crucial you know what yours will cover and not cover. Find out whether your policy will cover the cost to fix a broken pipe and other problems that have occurred due to deterioration over time. These are often your own responsibility. However, more disastrous situations such as sewer backups or storm-related problems are usually covered.
Whether bursting pipes cause flooding in your home or whether the problems come from Mother Nature, you should take photos of all the affected areas and what caused the water damage. Also, describe in writing how the flooding occurred and what it damaged.
Get in Touch With the Insurance
Call your insurance representative and discuss the incident in detail. At this point, you can formally file a claim and ask any questions. This is also the ideal time to contact a disaster cleanup company.
Not sure whether your insurance will bursting pipes in your house? Follow these steps to make sure you properly file a claim.