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Fire & Water - Cleanup & Restoration

How To Ensure That Your Water Damage Claim Gets Approved

6/12/2019 (Permalink)

Water pipe break in a Buckingham, FL home

Dealing with water damage in your Buckingham,FL, home is frustrating enough without having to stress about filing an insurance claim. However, making a good claim is necessary in order to be compensated for all of your trouble, whether you are facing bursting pipes or flooding. Follow these tips to ensure that you make a strong insurance claim that gets approved.

Determine the Type of Damage

First, you must categorize the type of loss that you are dealing with. There are a number of damage types that can target the home, including:

  • Flooding
  • Sewer backups
  • Pipe bursts
  • Natural causes (hurricanes, storms, etc.)
  • Discharge from dishwashers or washing machines

Being able to identify the cause of your loss is vital if you’re looking to file an insurance claim. Not every type of damage will be covered by your insurance company, which is why knowing exactly what to expect is crucial.

Understand the Coverage

Once you’ve identified the specific type of water damage, make sure that you know whether your insurance policy will cover it. Gradual types of damage are not typically covered by insurance companies, while sudden or accidental causes like bursting pipes are more likely to be approved. Gradual damage may include water slowly seeping from cracks or a toilet leaking over time, while damage that is sudden or accidental might come in the form of a flood or overflowing toilet. Make sure you know which category your loss falls under before you make your claim.

Keep Records

Having concrete evidence of your loss helps to reinforce your insurance claim, so make sure that you’re holding onto records of repairs and maintenance work that has been done, such as having someone fix broken pipe. These records can be particularly helpful when you are facing damage of any kind, whether it is caused by a sewer backup or bursting pipes. Anything that you can use to support your claim is worth saving.

Regardless of the reason for your water damage, don’t hesitate to contact a water restoration specialist to have excess water removed. A simple call can give you peace of mind while you’re working on your claim.

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