Water damage can be one of the most stressful things a homeowner can experience and it can be even trickier to file a water damage insurance claim. In today’s post, your water and fire restoration specialist, Action Restoration, shares some tips and tricks to help you with your water damage insurance claim.
Water Damage Covered by Insurance
Before starting off, we have to understand what kinds of water damage are typically covered by a home insurance policy. Basically, these damage are caused by faulty equipment or natural causes. Some of the most common issues that are covered are:
Water overflow caused by malfunctioning appliances
Sudden or accidental water leakage
Water damage from external elements such as a tree falling on your roof during a storm.
Meanwhile, here are some examples of cases that aren’t usually covered by a home insurance policy.
Damage caused by the homeowner’s neglect of routine maintenance
Sewer and septic back-ups
How to Support Your Water Damage Insurance Claim
1. Limit the Damage. If you noticed that your home has some substantial water damage, you should take action and try to limit the damage as best as you can. Leaving it unattended can cause further damage, such as mold growth, which will spell disaster for your water damage insurance claim. If you have leaky plumbing, you can shut off your home’s water supply from the main valve to stop water from coursing through it. If you have a soaked floor or wall, you can contact your water removal specialist Action Restoration to assist you with the cleanup.
2. Documentation is Key. Your insurance provider will ask you for evidence to back up your claim. We recommend having your restoration company take the photos for documentation as they likely know what insurance companies are looking for. Take a photo of anything that could be the source of the damage, like a burst pipe, a faulty heater or a backed-up toilet. When taking videos, add some commentary and give a background of the situation so that your insurance provider can better understand the scope of the situation.
3. Hire the Right Company. Last but not least, you have to hire a restoration company that you can trust to carry out the repairs. Find one that best suits you and your situation. You can ask for multiple quotes from companies in your area and find the one that’s best for you.
Impacted by a fire or flood? Call on the fire damage restoration specialist, Action Restoration! We don’t just restore homes, we restore people’s lives. Our licensed contractors will find the source of the problem and make sure your home is healthy and comfortable for you and your family. Call us at (616) 200-8946 or fill out our contact form to get in touch with us.