How To File Your Insurance Claim

8/10/2020 (Permalink)

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Having a water damage problem in your home can be a stressful situation. To make sure that you’re being compensated for your trouble, it’s important to understand how to correctly file an insurance claim. Here are some tips to keep in mind before you make a claim for water damage in your Kempsville/Military Circle home.

    Determine What Your Insurance Will Cover

In most cases, an insurance company will only cover certain types of water damage. This is a crucial point to consider as you work on preparing your claim. Some of the forms of damage that may not be covered by insurance include:

Gradual pipe leaks

Seepage from cracks

Damaged areas of roof

Steady toilet leaks

If you're facing a more serious problem such as a flood, your claim is more likely to be approved. It’s important to discuss your specific damage with your insurance adjuster to have a clear idea of what to expect during the claim filing process.

    Ask Questions

If you aren’t completely sure about something when making your insurance claim, it’s better to be safe than sorry. Don’t be afraid to ask questions, whether you’re looking for information about your state’s claim filing laws or want to confirm that your pipe burst is covered by insurance. Ensuring that you have a clear understanding of your expectations can help the process go more smoothly.

    Keep Track of Lost or Damaged Items

In order to effectively support your damage claim, you need to keep records of all of your lost or damaged items. Make a list of any articles that have been harmed or destroyed completely by the event that caused water damage. It is also a good idea to hold on to these damaged items before your insurance adjuster visits so you can provide physical proof of what you lost.

Filing an insurance claim is only one step towards having peace of mind. Contact water damage restoration specialists immediately to prevent excess water from causing further damage to your home.