How to Make a Water Damage Claim

3/14/2019 (Permalink)

Turn off the electricity to avoid the possibility of electric shock

How to Make a Water Damage Claim

Sudden water damage is a common and costly problem for homeowners and businesses. The usual culprits range from bursting pipes to ruptured hoses attached to water heaters, dishwashers or washing machines. Damage caused by these sources are typically covered by most homeowner’s and renter’s insurance in North Bend,WA. Making a claim can be a hassle, so take the proper steps to ease the process and recoup recovery costs.

1. Turn Off the Water and Electricity

When experiencing a water emergency, immediately shut off the main water valve usually located by the water meter. It is also crucial that you turn off the electricity to the affected area of the building to avoid the possibility of electric shock.

2. Contact the Insurance Provider

Contacting your insurance company should be done immediately. Be prepared to answer questions, such as what damage was done to your property and its source (i.e., bursting pipes). Ask plenty of questions to clearly understand what your policy covers and what costs each party is responsible for. This should also include what you should or should not do before any cleanup or repair is done. The insurance provider may send out a crew, or you may personally have to contact a restoration service specialist for cleanup and to fix the broken pipe. Depending on the severity of the damage, the claims representative will either provide you with an estimate of covered costs or send out an inspector before doing so.

3. Document the Damage

Take ample photos of the damage area and its source. Keep all records, including receipts and an inventory of your damaged items. You may be reimbursed for damaged or destroyed property based on your plan.

While water damage is not always predictable, it is wise to be proactive and review your homeowner’s or renter’s insurance policy. Determine what existing coverage you have and whether you need more than just the standard policy that covers bursting pipes and even floods. This may prevent you from drowning in bills in the future!