Insurance Claims for Water Damage to your Home - SERVPRO
Flooding & water damage are not what the majority of homeowners expect to face. When it does happen, you might be at a loss for how to deal with it, especially when it comes to insurance claims.
The following will help walk you through how to file a claim;
Review Your Insurance Coverage- Review insurance documents. Locate the phone number for your insurance company’s claims office. If you can’t find it on any paperwork, then it should be on their website. Before you call, try to have your policy available for reference.
Be Calm- You need to be able to talk to the claims adjuster (the insurance representative who will discuss the details with you) in a way that is clear & concise. You will not be able to do that if you are upset.
Keep Your Details Brief & Straight to the Point- Give the claims adjuster the facts. Unless they ask for details, keep it as short as possible, giving them only the information they need to understand the situation. There are rules & regulations that govern insurance coverage, so you do not need to try to persuade the adjuster over the telephone.
Have Proof- Pictures of your dishwasher overflowing or flooding around a door are definitely proof that can be used to help make your case. Receipt from a plumber or information from the city or county about the cause of the damage will also be very helpful in getting the claim processed.
Mitigation- If you need to mitigate the damage (stop it from getting worse), the insurance company may make a recommendation for a company. It is ONLY a recommendation, so you can contact another restoration company if you prefer.
CALL SERVPRO 24/7 to help you dry down the loss and get you back to good.