Environmental Impact of Flooding Flooding is a natural hazard with…
Water Damage Levels and How to Handle the Cleanup Water…
All You Need to Know About Black Mold Damage Mold…
How to Get Rid of a Musty Smell in Your…
The numbers of water damage claims have increased significantly over the years and according to a report by the International Organization for Standardization (ISO), water damage claims are currently the second largest and most frequent insurance claim after wind and hail damage.
However, as popular as such claims may seem, homeowners can be short-changed by some insurance companies because of their ignorance. That is why it’s paramount that you must know how to best maximize your water damage claim.
Here are steps you can take to ensure all the damage are covered when you make the next water damage claim.
Limit the Damage
Do not allow the damage to escalate. Do take steps to limit it as early as possible. Why? If you don’t, your claims may be termed intentional for the fact that you never intervened. Required actions depends on the situation, example – if you experience a plumbing leak, do turn off the source of water supply to your apartment. Do not discard the damaged or affected items so quickly. Keep them for the Adjuster to physically inspect.
Evidence is Sine qua non to claims in the insurance companies. Take pictures and videos of the damages. Your smartphones are handy nowadays. Do a Yeoman’s job – let your pictures and videos be comprehensive.
You are advised to deeply illustrate with your videos as they are more credible evidence in courts. It will turn out better if a voice description goes hand in glove with the video.
An inventory will help in no small way. It has to give a graphic description of each damaged item and the corresponding cost of replacement.
Report the Damage As Fast As Possible
Submit a timely report to your Insurers. This will help you know if you are worth the claim or not. As you approach the Insurance Company, state your policy number, then ask for the claim forms to be filled out.
However, if you are at loss about what to do and how to do it, enlist the services of your restoration specialist. They have a deep experience on how to get the claims job done.
Are You Dealing with Flood Or Water Damage?
Flood damage is a natural occurrence effecting a whole lot of people at a time while water damage is purely independent. All Insurance companies do cover water damages while just a few do cover that of flood. You need to be specific so as to get the right coverage.
Consider a Public Adjuster
Water damage Insurance claim process can be slow. It’s a back and forth situation between you and your
Insurance company. Adjusters will be sent to access the damage reported to validate your claims. This takes days before the actual payment could be done. You will save yourself from so much time and other resources if you draft in a public Adjuster to fast track your claims.
Do Not Use Vendors From Your Insurance Company
In the case of water damage, it is advisable never to use vendors introduced by your insurance company. As service providers who get jobs from the insurance companies, they are likely to work in the interest of the insurance company instead of yours. If you really want someone who will be on your side, choose professionals you trust from Tidal Wave Response. We can carry out the water damage repairs as well as assist you professionally to get your claims.