The type and extent of water damage varies depending on the situation and so does the process for filing water damage claims. Apart from the differences in damages, each insurance provider has its own policies and approach to determining policyholder payouts. Even though the claims process will differ for each individual, it is important to understand what events may occur between the time your claim is filed and the time the restoration is completed.

3 Tips On What To Do When Making Water Damage Claims

This article discusses three tips to help ensure your water damage claims receive a fair adjustment from the insurance company.

Hire a Plumber at the First Place

First and foremost, if you notice water damage in your home, contact a professional plumber (certified) who can identify the source of the leak and provide evidence of how long the leak has been occurring. Most insurance companies do not cover for any long-term leaks, which are defined as leaks that have lasted more than 14 days. Hence, hiring a licensed professional who can testify to the length of time a leak has occurred can be critical in terms of your claim being covered.

Gather Evidence to Support Your Claim

Evidence is critical in water damage claims. Take photos and videos of the leak and the damage to your floors. Also, keep any broken pipes, washing machines, filtration systems, water heaters, garbage disposals, or other devices that may have caused the leak. Having this type of evidence on hand will help ensure that your insurance company has no much room for negotiation.

After filing a water damage claim, officials from your insurance company may visit your premises or send an expert to inspect it. Whoever arrives will investigate the cause of the leak, how it occurred, and what hardwood flooring needs to be repaired or replaced. This entire procedure is known as “field scoping,” and it is carried out in order to prepare an estimate of repair costs for the insurer.

Know the Different Types of Adjusters Involved

Several types of adjusters may be encountered during this process. It’s critical to understand the distinctions between them because the roles and responsibilities of different adjusters involved in your water damage claim may influence the estimate as well as quality aspects of repair works.

The policyholder can be represented by a licensed public adjuster who will then accompany the insurance company’s adjuster throughout the process of field scoping and beyond. They will assist the home or building owner in negotiating a fair payout. The insurance company does not provide a public adjuster. Policyholders hire them to protect their rights during the claims process.

The Importance of Hiring a Public Adjuster

A public adjuster, unlike insurance adjusters who work for or are hired by insurance companies, works to help you get the most out of your policy. Furthermore, hiring a public adjuster relieves you of the stress of dealing with your insurance company. Throughout the process of water damage claim, public adjusters will communicate with the insurance company, allowing you to focus on getting your life back to normal as soon as possible.