How to Make a Water Damage Claim

11/23/2021 (Permalink)

Water damage in an Arp, TX home.

How to File a Claim for Water Damage

When your home has been damaged by water in Arp, TX, you may not know how to make an insurance claim. With so much on your mind, uncertainty about the process of making a claim can add to your stress. However, there are several steps that can make the entire process easier for you.

1. Check Your Policy

It’s important to understand what your policy does and does not cover. For example, your insurance will likely cover the cost of less severe water damage as a result of a pipe burst, but many standard insurance policies don’t cover the cost of a flood, though flood insurance can be purchased additionally. Once you are aware of what your policy will cover, you can prepare yourself financially.

2. Document the Damage

Once you can safely enter your home or the area of your home that has been damaged, it’s important to document what has been damaged. As you make your insurance claim, include any receipts, photographs and lists that document items or areas that have sustained damage. Documenting what has been damaged will allow your insurance company to make a more accurate assessment and therefore will ensure you are appropriately compensated for your losses.

3. Have an Assessment

In addition to documenting what items have been damaged in your home, having a claim adjuster visit your home can give you a better idea of the monetary cost of the damage. Adjusters can inform you about the estimated costs of things you may not know how to account for, such as structural damage to your home. If your insurance does not automatically send an adjuster, you can request to have one visit your home.

Once you’ve made your insurance claim, the restoration process can begin. In order to have your home fully restored in a quick and safe manner, reach out to professionals in water damage restoration.