Nobody expects their home to be flooded, but being prepared is one way to stay ahead of this kind of emergency situation. Knowing what to expect when filing a water damage claim is a proactive solution to prepare yourself for flooding due to rising waters, burst pipes or a backed-up sewer.
Keep Your Insurance Information Close At Hand
When you’re dealing with a flooded home, the last thing you’ll want is to have to search for your insurance company’s phone number. Get your insurance through a local agent if you can, and keep their information in your wallet, cell phone and in your car. You’ll want to alert your insurance company right away.
Take Photos And Record The Damage
If it’s safe to enter your home, then you’ll want to take photographs, video and make a written record of the water damage. A picture is worth a thousand words, and you’ll want to make sure to photograph every room, even if the damage is minimal. Make sure you put a date and time stamp on each photo too.
Remove Personal Belongings From Your Home
After you’ve recorded the initial damage, then you can start the process of taking items out of the structure. You should start with any valuables, heirlooms and important papers. You’ll want to photograph and record the condition of the items of value, noting any breakage or water damage. It’s important that you don’t throw anything away and that you don’t make repairs to the home at this stage.
What Happens Next?
Within 15 days of filing your claim, your insurance company will send an adjuster to the site to assess the water damage. You should provide the adjuster with a copy of your photos, records and an inventory of the damaged items. The insurance company will offer you a settlement once they’ve reviewed your claim.
We’ve helped hundreds of customers with their water damage restoration. We can help you work with your insurance company, so your flood restoration services are covered.