4 Important Water Damage Insurance Claim Tips

Important Water Damage Insurance Claim Tips
Important Water Damage Insurance Claim Tips

Are you worried about hurricane damage?

Repairing water damage resulting from severe weather can get expensive. When you sustain extensive damage, it could put a significant dent in your finances. For example, replacing water-damaged drywall could often cost around $1,500.

As such, consider water damage insurance claims to protect yourself. However, your lack of experience could hinder you from getting the most out of it.

Worry not since our guide can help. Read on as we discuss some water damage insurance claim tips:

1. Avoid Delays—Report Immediately

The faster your claim, the sooner your insurance company will start processing it. It results in a faster problem fix, allowing you to get back on track.

Some policies have a time limit on filing. If you want to get proper coverage, you must comply with these rules.

Make an accurate description of what happened. Describing it simply as a flood won’t suffice. A room could appear flooded, but it could be from a broken window or a burst pipe.

2. Make An Inventory Of Damaged Items

Always make extensive records of the water-damaged area. Whether it’s through images or videos, ensure proper documentation. Include every damaged item, such as:

  • Electronics
  • Windows
  • Walls
  • Floors
  • Doors
  • Furniture

As long as they have value, put them on record. It often helps you get the best possible compensation for your loss.

3. Avoid Touching The Damaged Area

Never touch anything until after the insurance company agent inspects your home. Otherwise, they can’t determine the full scope of the damage. As such, avoid cleaning or throwing anything out to keep the area intact.

However, an exception is when you’re dealing with dangerous situations, such as downed electric lines. It also applies when an issue could worsen the damage. 

After dealing with these hazards, inform your insurance company about everything. It’s where maintaining good records comes in. Keep the receipts from your hired contractors and replacement items.

Keep a log containing your discussions with your insurance company. Put the date and time of each call and interaction. Put the name of your representative and note what you discussed.

4. Get A Public Adjuster

Your insurance company often sends an adjuster to survey the extent of the hazard and report their findings. However, getting a public adjuster is more prudent. They will represent your interests with their expertise.

These adjusters will also negotiate with your insurance company. As a result, you’ll get the maximum amount to cover your damages.

Complement your adjuster with Shochet Insurance Lawyers. They specialize in commercial property damage. Their assistance ensures your business reopens in no time.

Learn More Water Damage Insurance Claim Tips Now

These are some water damage insurance claim tips. Use these to make the most out of your commercial property insurance.

However, it’s best to complement this knowledge with hurricane insurance claim tips. It ensures you have more coverage and avoid costly financial problems in the future.

Did you find this guide helpful? If so, consider expanding your knowledge with our other posts today.

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