Flooding and water damage are not things that most home owners ever expect to face. However, when it happens, you will probably be at a loss for how to deal with it, especially when it comes to insurance.
Should the unthinkable happen, the following will help walk you through to file a claim:
- Review Your Coverage
Review all of your insurance documentation. Locate the contact number for your insurance company’s claims office. If you cannot find it on the paperwork, then it should be on their website. When you call, have your policy in front of you for reference.
- Be Calm
Make sure you are not emotional before you call. You need to be able to talk to the adjuster (the insurance representative who will discuss the details with you) in a way that is clear and concise. You won’t be able to do that if you are obviously upset.
- Keep Your Details Short
Just give the adjuster the facts. Unless they ask for details, keep it as short as possible, giving them only the information they need to properly understand the situation. There are rules and regulations that govern insurance coverage, so you don’t need to try to persuade the adjustor over the phone.
- Have Proof
Pictures of your dishwasher overflowing or flooding around a door are definitely proof that can be used to help make your case. Receipt from a plumber or information from the city or county about the cause of the damagewill alsobe very helpful in getting the claim processed.
If you need to mitigate the damage (stop it from getting worse), the insurance company may make a recommendation for a company. It is only a recommendation, so you can contact another company if you prefer.