Seven Tips for Your Water Damage Insurance Claim

Posted February 28, 2022 by in Lifestyle

When your apartment or home gets water damage, it can be an overwhelming process. You need to obey the insurance policy and submit all required information. Here are a few tips to ensure that you finish the insurance claim process as quickly and efficiently as possible. 

These water damage insurance claim tips should help speed up the process regarding your insurance claims after enduring water damage in your home or apartment.

Before diving into the tips, you may be wondering where the best place to find home insurance is. If you’re unsure of how to go about finding cheap, high-quality home insurance in Canada, you should reach out to a Surex insurance advisor today.

1.     Keep the Damage to a Minimum

You should be quick in taking action as soon as you detect you have water damage. Otherwise, your insurance provider may be able to deny part or all of your claim based on your failure to intervene.

The steps you can take are determined by the type of water damage you have. If your windows have been damaged and water has entered your home due to a windstorm, board them up. Turn off the water supply to the house if you have a plumbing leak. If your roof is leaking, you can cover it with a tarp to keep the rain out for the time being.

You should also contact the appropriate professional right away, whether a plumber, a roofer or a restoration specialist. They may be aware of other steps you may take to limit the damage, and they can get to work on repairs right away. 

However, you may not want to sign off on substantial repairs until your claim has been processed since your insurance provider may not approve you for the total repair cost. If you decide to wait, be sure you have an estimate to present to the insurance adjuster.

It is also important that you do not discard any damaged objects at this time. Collect water-damaged objects and trash in plastic boxes or bags so you may show the actual adjuster proof.

2.     Prepare Your Paperwork

Keep paperwork handy and make sure that everything is intact before your insurer arrives, so you can guide the adjuster through the process of listing damaged items on the report. Review attached pictures and if there are any details you need, include them in the description of each item.

According to insurance guidelines, it is most likely that specific details are not necessary at this point because your adjuster should already have a good idea about which things have been damaged.

3.     Gather Evidence

If you want to learn how to make a successful water leak insurance claim, you need to learn how to gather sufficient evidence from the event. Consider making a film to go along with your images.

It’s challenging to be as thorough with pictures, as videos are more compelling and provide a different perspective on the damage that photos can’t. Videos are beneficial if your claim ever has to be taken to court. Describe what you’re seeing while you’re recording.

To evaluate your claim, your insurance company will want evidence. Fortunately, smartphones have simplified this process. Take pictures/videos of all of the damage and be thorough. Include any items that may have contributed to the damage, such as a broken pipe or a hole in the roof.

It’s also crucial to have written evidence. Make a detailed list of what has been damaged, each item’s worth, and the projected cost of repairing it. If you’re unsure, your insurance broker may be able to provide you with estimates for popular components like drywall. If not, reach out to a local professional for an estimate. They can help you determine the worth of a piece of furniture or other property.

Request quotations and reports from the other professionals you’re dealing with detailing what happened and the cost of amending the damage.

This procedure should be familiar to experienced roofers and plumbers. Keep your receipts if you opt to pay for any short repairs upfront.

4.     File a Claim

It’s now time to contact your insurance provider. If you wait too long, your insurance claim will be jeopardized. Even if you think you’ll be able to handle the repairs yourself, phoning now will save you time and aggravation later. 

Even if you’re not sure if your insurance covers water damage, you should still file a claim. If you aren’t protected, the company will let you know, and there is no charge for asking.

Pull out your policy number before calling, as that will be the first thing they will ask for. You will almost certainly be told that you must complete an “evidence of loss form” by the insurance company. If that’s the case, make sure you request an email copy (mail takes too long). Alternatively, please inquire as to where the form may be available on their website so that you can print it.

If you’re nervous about the process or don’t have time, your experts can handle it for you. They have lots of expertise in filing successful claims of all sizes.

5.     Is the Problem Flooding or Water Damage?

There is a significant distinction between a flood damage and water damage insurance claim in the eyes of an insurance company. Floods are natural disasters that usually affect many homes (exceptions for large rural properties). Everything else is water damage, from damaged pipes to leaking HVAC equipment.

Most homeowners’ insurance plans cover water damage; however, flood damage is not. So be careful to tell your insurance carrier what kind of damage your home has sustained so that they can give you the appropriate documents and offer you the proper coverage.

6.     Think About Hiring a Public Adjuster

The insurance claim process for water damage can be lengthy. Your insurance provider has 15 days to send a claims adjuster to inspect the damage. It is usually preferable to hire a public adjuster if you have the financial means, especially if your claim is significant.

These experts aren’t affiliated with the insurance business, so they seek the truth rather than reduce the insurance company’s payout.

7.     Don’t Work With Their Vendors

Your insurance provider has another 15 days to decide your claim after they’ve inspected the water damage. They have another five days to deliver you the money if they approve some or all of your claims.

Your insurance company may persuade you to employ their vendors during this period. They’ll have their team of plumbers, roofers, and restoration specialists on hand. However, because the insurance company pays these professionals, they are more likely to support the firm’s interests over yours.

Choose professionals you can trust to make the repairs because you want someone on your side.