What to Do When Making an Insurance Claim After Water Damage
How to begin a water damage claims process
Whether it comes from bursting pipes, a broken appliance or a leaky roof, water can cause significant damage to your South Central, MN home. It can damage building materials, cause mold growth and ruin electronics. Homeowners insurance can help you pay for repairs. Take the following steps if you find yourself in this situation.
1. Call Right Away
It is important to start your insurance claim as quickly as possible. Not only will this result in completing the process sooner, but it will also help ensure that your claim isn’t affected. Some policies require you to report water damage within a certain time. If this is not done, it can reduce the amount you receive or can result in your claim being denied.
2. Document the Damage
Your insurance adjuster will need information on the areas of the house that were damaged, including whether there are bursting pipes and flooding, as well as any belongings that may need to be repaired or replaced. You should provide a list with pictures and the estimated value of included items.
3. Perform Mitigation
Mitigation is the process of preventing damage from spreading and worsening. This should be done quickly to reduce the amount of time and money needed to make repairs. An emergency cleanup and restoration company can inspect your home, fix broken pipes, remove water and repair the building along with damaged belongings.
4. Go Over Your Policy
Because individual insurance policies will vary, you should read over yours carefully. Make sure that you are familiar with anything that is required of you while making a claim as well as what is covered by your insurance. This will help the process go more smoothly.
Bursting pipes and other causes of damage can be frustrating to deal with. Making an insurance claim can also be stressful if you are unprepared. Following these steps can help you get through the situation more easily.