Water damage is said to be one of the highest causes of insurance claims; this may be because water can damage your home or business in many ways. Sources of water damage are limitless, ranging from pipe leaks to hurricanes; water damage can be precipitated from various causes. Because of this, most homeowners and businesses ensure their property for water damage. This way they can have little or no expenses to bear when their homes get damaged by water.
However, in time past, many individuals have had their insurance claims rejected by the insurance company. This has led some peoplejust fixing the problem out of pocket, with their own money. This should not be the case! To avoid this happening to you, here are some tips on how to handle a water damage insurance claim:
- Report the damage immediately:
Water damages the first thing to do immediately your home or business is to call the insurance company and inform them. This is because many of these companies expect you to give them prompt notice. However if you begin to fix the house by yourself and putting things together, this will make the insurance company give you less than to deserve and not fully honor your insurance claim. In addition to this, it is essential that after you call them up, you try to prevent further damage as much as possible. If you do not do this and it is discovered by the company, it can also lead to them not paying you your full insurance claim.
- Record the Damage:
It is essential that you record the extent of damage caused by the water, this way you will be able to answer the questions thrown by your insurance agents. You will not only answer the questions, but you will also back up your statements with evidence. You are expected to write down a list of damaged items and also take photographs of the damaged areas of the house. Do not take this process lightly; be as detailed as possible in doing all of this. That way you have all the evidence you need in laying an insurance claim.
- Find a temporary place to live in:
This tip is for those whose homes are severely damaged by water. If the home has become compromised to an extent where it does not support human life, then it’s probably a good ideadto look for another place to live in while you file your insurance claims.
- Hire a Public adjuster:
A public adjuster is a professional who has adequate knowledge of insurance and insurance claims which can represent you so that you can get everything you deserve from the insurance company. They help you with their knowledge and expertise, so you do not end up at the losing end of your case. This is very important because insurance professionals are privvy to legal nuances that can leave the layman stumped.
Handling an insurance claim is not easy, especially a water damage insurance claim. With the tips provided above, you will be better prepared to navigate the waters and come out victorious.