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Water Damage Insurance Claim Tips

Most homeowner insurance policies cover water damage to some degree or another. However, just because you are covered does not mean that the insurance company will pay off on your claim. It takes some common sense on your part and sometimes a great deal of persistence to increase your odds of being compensated when water damages your home. Here are five water damage claim tips that can help you avoid having your claim denied.

  • Document everything: Take photos of everything that is damaged and make an inventory list in the immediate aftermath of a house flood. Ideally, you should also try to gather together any pictures that show the items before they were damaged. You will also wish to find as many receipts as possible and any other information you can about damaged or destroyed items.
  • Notify your insurance company immediately after the disaster occurs: This is not only a good idea on your part but it is often required by the insurance company that you notify them promptly of a flood event.
  • Read your policy: It is a crucial that you know exactly what kinds of exceptions may be laid out in your policy. Even though this might be tedious, this is absolutely. Knowing the ins and outs of your policy will help you to avoid misunderstandings and will prepare you so that you will have relevant questions to ask your insurance company.
  • Be present during the visit: This may sound like a no-brainer but some people are not even present when adjusters compile the information they will use for the bulk of their report. Try to be there when your adjuster arrives and go through your property with him/her every step of the way. Be cooperative and obliging but do not sign anything you don’t understand and have not discussed thoroughly with him/her.
  • Determine which contractor will do the work: This will be absolutely essential if you wish to get your life back and track. Conejo Restoration is used to dealing with insurance companies. We are also experienced in handling the aftermath of flood damage such as water removal and mold removal and remediation.water damage

As you can see, you can’t just wing it when it comes to dealing with the insurance companies after a disaster such as a flood. It takes a certain amount of preparation and diplomacy to get the desired result – a successful claim that pays off. We at Conejo Restoration will help you as much as possible when it comes to getting your life back on track and putting your family safely back in your home.

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Newbury Park, CA 91320
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