How to File a Water Damage Claim

1/29/2017 (Permalink)

How to File a Water Damage Claim

 There are a number of different ways that water can damage your home.  Depending on the details of your homeowner's insurance policy, the coverage available to handle the damage can vary significantly. When the policy covers the specific situation, filing a claim allows you to replace or repair damaged items or areas of your home.

 Evaluate Your Policy

Never assume your policy covers your property damage. Always evaluate the details provided in your policy to ensure the water loss is covered under your current plan. In most homeowner policies, water damage is only covered in specific situations. For example, if a pipe bursts, the policy usually covers the costs incurred from the water damage, however, it may not cover costs associated with flooding or other weather-related water damage.  Read the details of your policy before taking any steps to file a claim.

 Document the Damages

After clarifying your policy, document the damage to your property. Take pictures and write down any details in a journal if you notice a problem. Evidence supports your claim and allows the insurance provider to evaluate the possible problems associated with the damage. The insurance provider may send a professional to look at the property and your belongings when you file a claim.

 Contact your Insurance Provider

The claims process ultimately starts after you contact the insurance provider and talk to a representative. Explain the situation clearly and send in evidence when requested by the representative.

 By preparing for the process, you get the help you need for repairs or replacement items in a timely manner.

 For professional water damage cleanup, contact SERVPRO of Milton / Braintree at 781-341-7007!