Water Damage: Everything you need to know about How to file an insurance claim for water damage.
Updated: Dec 11, 2022
Water damage claims are one of the most common insurance claims that are filed. Water damage includes pipe bursts, dishwasher leaks, icemaker lines, AC leaks, etc.
These type of claims often happen unexpectedly and need to be mitigated right away.
Water damage can be especially dangerous because it creates electrical dangers, mold growth, and volatile chemical reactions. Water damage claims are often filed by individuals who have never dealt with an insurance claim before.
Water Damage Insurance Claims are very complex to deal with..
Here are some not so common tips that you may need to consider when dealing with Water Damage claims:
Water damage requires quick attention.
Water damage needs to be mitigated within 24-48 hours of the issue, or mold growth will start.
To mitigate water damage you usually need to cut off water flow to that device (AC, dishwasher, etc), then dry out all materials in that room with fans and dehumidifiers. After that, you need to start cleaning up all of the water that has been displaced by fans and dehumidifiers, then sometimes the carpet also needs to be dry-cleaned.
Water damage claims can often take weeks or even months to complete because it is a very detailed process.
Water damage claims are always prioritized based on severity of damage.
Water Damage claims are often very controversial because Water Damage is not always obvious.
Water damage claims also take a long time to investigate due to their complexity.
Water damage claims can be even more dangerous if they are ignored for 24–48 hours.
Water damage Claims are not the same as roof or other types of property insurance claims Water Damage Claimants need to know exactly what happened and when Water Damage Insurance claims often have very high price tags, so Water Damage Claimants need to be aware of how much they are spending Water Damage Claims are often not covered by renters insurance.
You might also be interested in reading: Water Damage to your Home – How to Begin Recovering
How can I maximize my water damage claim?
Don't let anyone tell you that you'll never get paid for water damage. There are some things you can do to maximize your water damage claim, like keeping copies of all invoices related to repairs and submitting them with the proper documentation. Here are some tips for dealing with the aftermath of a flood or other water-related disaster, and making sure that you're well taken care of.
1. Keep Every Receipt for Repairs Related to Water Damage.
Your biggest priority is to make sure that all costs are covered by your insurance claim. If there are any receipts related to the repairs that were not covered by your policy, then they will most likely require payment before any assistance can be provided. Keeping copies of all invoices related to flood damage repair expenses is important. This evidence is specially important if you need to take legal action against a condo or landlord’s insurance company for reimbursement.
2. Contact a Public Adjuster.
If you have any questions about your claim, then contact a public adjuster to make sure everything is handled correctly. A qualified public adjuster like People’s Insurance Claim Center has over 30 years experience with dealing with these types of unexpectedly occurring circumstances. They would be happy to help guide you through your next claim process — contact us today for more information or start taking care first before disaster strikes!
You might also be interested in reading: What does a Public Adjuster do for Me?
3. Get Your Home Inspected by an Expert.
You should have a licensed professional come out and take a look at your home to determine the extent of damage. Try to schedule this inspection within a week. This is the only way that the insurance company can determine how much money should be given for repairs or replacements that might need to take place.
4. Talk to Your Insurance Company.
If you have a homeowner’s or renter’s insurance policy, then the process for filing a claim is fairly straightforward. Just contact your insurance company and tell them what happened. The agent will ask for some information about your home and how it was damaged, including the amount of coverage that you have. Once you input this information, then they will typically come out to take a look at the damage and tell you how much of your claim has been approved.
A public adjuster on your side can maximize the amount that insurance will pay you for the damage that occurred, allowing you to make all the necessary repairs to get your life back to normal.
Remember that a public adjuster does not get paid until you get paid.
CONTACT US TODAY FOR A FREE CLAIM ANALYSIS
Why can a public adjuster help you maximize your insurance settlement for water damage to your property?
Public adjusters have the know-how in navigating complicated paperwork, loopholes, and the intricacies of insurance settlements, and have knowledge and resources to maximize your claim as quickly as possible after any kind of damage occurs that might get you denied coverage.
Water damage is common, but not all insurance policies cover it.
If your property is damaged by water, it can also be hard to tell if the damage is covered by your policy or not.
Public adjusters at People’s Insurance Claim Center are there to answer all of these questions for you and will get to work on finding any possible legal recourse that you could get under the law for water damage.
We understand that water damage is one of the most common claims, and that's why our public adjusters at People’s Insurance Claim Center will work with you to maximize the settlement that you receive from your insurance company and get the compensation that you deserve and need, so that you can repair the damage to your property and get back to your normal life as soon as possible after such a stressful event.
We know the process of insurance companies.
We work with more than 300 insurance companies.
People’s Insurance Claim Center work with insurance companies every day, in order to help our clients with the claims and maximize settlement offers, and it is precisely this daily work with the insurance companies that allows us to know how to fight for you to make your insurance claim as fruitful as possible and help you get back on track financially after a regrettable event.
30 years of experience as public adjusters in Florida.
Our Public Adjusters at People’s Insurance Claim Center in Miami, Fl; have been working with policyholders for more than 30 years, so we have the knowledge, skill, and expertise to help you fully understand your policy coverage.
Throughout the years, we have settled more than 60,000 claims for our clients, which has led to 22 awards of excellence.
When disaster strikes, it is important to call on our public adjusters as soon as possible for their expert advice and quality service.
The Public Adjusters at People’s Insurance Claim Center promise that we will advocate for you and work with you to come up with a plan of action that is best for your home or business and will make sure that the insurance company does not take advantage of you and that they are providing their best effort on getting your money immediately.
We at People’s Insurance Claim Center are available 24/7/365 because they know how important it is for you to get your property back to its original condition as soon as possible.
CONTACT US TODAY FOR A FREE CLAIM ANALYSIS
Does homeowners insurance cover water leak damage?
If you are unsure whether water leakage damage is covered by your insurance policy, you should contact your insurance company and ask them directly. Your insurance company will be able to tell you whether water damage as a result of a water leak is covered under your policy.
However, it is recommended that you first contact a public adjuster to give you the necessary advice and intercede on your behalf with the insurance company.
What should you do as soon as you experience water leakage damage?
If you do experience water damage as a result of a water leak, it is important to document the damage as much as possible. Take photographs of the damage and keep a record of all the repairs that are needed. This information will be helpful when filing an insurance claim.
The major types of Water Damage are:
How to detect Water Damage?
Can you hear water running inside your walls or ceilings?
Do you have a damp carpet the next day after the washing machine fills up?
Are there damaged floor boards leading to an unfinished basement that you cannot access anymore?
Are there puddles on your carpet?
Do you see wet insulation in the wall of your basement?
Do you see damp spots on the walls or ceiling?
Water penetration can also lead to mold growth, which affects indoor air quality. When this happens, your insurance company might require that some or all of the affected areas be treated by a licensed professional. If you already have mold growth, you should call your insurance company and let them know as soon as possible.
How to prevent Water Damage?
There are a number of steps to take to prevent water damage:
Water leaks should be fixed as soon as possible by a plumber.
Water damages should dry out immediately or be removed from the area with fans and dehumidifiers.
Water heating systems should be checked regularly, and any problems addressed promptly.
Water systems should be inspected for corroded pipes and rust, which can lead to leaks.
Water leakage coverage may be available for:
A pipe that has burst due to an obstruction in the line caused by a foreign object. Water damage caused by a pipe burst would be covered under the Water Damage section of the policy.
A broken appliance that has leaked water into another part of the home
A roof or skylight with a leak
Water seeping in from outside through any openings in the building envelope.
Water damage can happen due to natural causes, such as rain and snow, but also by human activity that may not seem damaging at first glance. For example:
1. Water leaks from a toilet tank.
Water damage caused by a leaking toilet tank can be prevented if the toilet is kept clean and maintained regularly. Any signs of leakage should be reported to a plumber immediately to avoid additional damage in your home.
2. Water leak from a water heater.
Water heaters, when not functioning properly, can break and leak water into your home. Water heaters should be cleaned regularly to remove any rust, sediment, or dirt that may have accumulated inside the tank.
3. Water leaks from a bathtub faucet.
Water damage caused by a leaking bathtub faucet is usually pretty easy to spot because of the puddle of water it leaves behind. Water damage caused by a leaking bathtub faucet can be avoided if the faucets and fixtures in your home are maintained regularly.
Water leaks resulting from broken pipes
Water damage from a strong stream of water that has been turned on continuously for hours could have damaged the walls of your home, requiring a repair from a plumber. Water leaks from broken pipes should be reported to the property owner immediately for faster results.
Water damage resulting from flooding
Water damage that has been caused by a severe storm or an overflowing river could have also affected other homes in the area as well as your own. Flooding may result in not only water damage, but also structural damage to your home. Water leaks that have resulted from flooding should be reported immediately to the proper authorities for faster results.
Water leaks resulting from an overflowing bathtub or hot water heater Water damage caused by overflowing items, such as a bathtub or hot water tank, will necessitate repairs and Water Clean Up to prevent mold growth and restore your home back to pre-loss condition. Water damage resulting from an overflowing bathtub or hot water heater can be prevented by making sure that the overflow holes in these appliances is unclogged when they are not in use.
You might also be interested in reading: List of things to do after water damage at your property.
What water damage is covered by insurance?
It covers water damage that is caused by leaks, floods, roof collapse etc. All water damage to property is usually covered, as well as water damage to your personal items like clothes and furniture.
The insurance policy will also cover water damage that is caused by burst pipes, water heater leaks and other plumbing problems. It's important to read the policy wording carefully to see what water damage is covered and what is not. For example, water damage caused by a storm may be covered, but water damage caused by a tornado may not be. If you're not sure, contact your insurance company and ask them.
It's important to have water damage insurance in case of a flood or other water emergency. Many homeowners policies do not cover water damage, so it's important to check with your insurance company to see if you're covered. If you are not covered, you may want to consider purchasing water damage insurance. It's a good idea to have water damage insurance even if you live in a low-risk area, because floods can happen anywhere. At People's Insurance Claim Center, we offer free property insurance policy review.
If you experience water damage, contact your public adjuster first. They will send someone out to assess the damage and help you start the claims process.
It's important to keep all of the documentation related to the water damage, including receipts for any repairs or replacements that you have to make.
Water damage can be a serious problem, and it's important to take action as soon as possible. By having water damage insurance, you can rest assured that you're covered in case of a water emergency.
If you're not sure whether water damage is covered by your insurance policy, contact your public adjuster and ask them. They will be able to tell you what is covered and what is not. It's important to have water damage insurance, even if you live in a low-risk area. Floods can happen anywhere, so it's important to be prepared.
If you experience water damage, be sure to contact People's Insurance Claim Center as soon as possible. They will help you start the claims process and will provide you with all of the necessary documentation. Take action as soon as possible to minimize the damage caused by water.
How do I make an insurance claim for water damage?
First, put a call in with a Public Adjuster, before you call your insurance company.
Public adjusters will work to assess the level of damage and help determine whether your insurance policy will cover it.
Public Adjusters can also help if you want to file a claim for your insurance company, or just to get advice about how much coverage you have in your insurance policy.
Make sure that you have your insurance policy number and your agent's name before calling. When you call, be prepared to answer these questions about the damage:
What is the date that this incident started?
Where was the house when it received this incident?
How many days has this incident been going on for now?
People’s Insurance Claim Center has over 30 Years of Experience assisting property owners in documenting, assessing, presenting and negotiating settlements from hurricanes, flood, fires, thefts, sinkholes, collapses, business interruption, and other losses covered under property insurance policies. Our years of experience dealing with insurance companies have provided us with the tools necessary to get you paid the maximum amount you deserve!
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As always, People’s Insurance Claim Centers are standing by to help you complete your Water Damage Claim quickly and accurately!