WATER: Steps on Making a claim for your water damage
The process for making a claim for water damage is pretty much the same for flood or non-flood damage.
- Stop the water flow or leaks if possible.
- Of course, if your home is flooded by a raging river, that is likely impossible until the water recedes. However, if you have a burst water pipe, you need to take steps to stop the leak. Turn off the water main or get the pipe repaired quickly.
- Contact your insurance company as soon as possible.
- Most insurance companies offer a 24/7 claims number. The customer service representative can help you get the claim started and tell you the exact next steps the insurance company will need you to do.
- Take pictures and/or video of the damage.
- You need to have a visual record of the damage to the building and its contents. This is critical for your claim.
- Make reasonable repairs to the property to secure it from further damage.
- This includes covering holes in the roof, securing windows with plywood, etc.
- Start getting the water out.
- If you have water remaining inside the building, you can start removing it. You can do this yourself or have a water extraction company do it. Keep all receipts since insurance may cover those costs.
- Don't throw anything away.
- The adjuster will need to see all damaged property.
- Write down all your interactions with the insurance company.
- This includes time, date, who you spoke with, and the details discussed. Always follow up in writing on important discussions.
- Keep a central file that includes your interaction log, documents received from the insurance company, copies of the photos taken, and copies any correspondence you send.