Simple Steps To Make a Water Damage Claim
In the midst of bathroom full of bursting pipes in Webster Groves, MO, your first thought may not be of your insurance company. However, it should be. If you keep insurance in mind throughout the crises, you will have a better chance of receiving help from them.
Step 1- Damage Control
Try to remember to document everything with pictures and video. Save weather and news reports about the event, if relevant. If it is safe to do so, you should also prevent further damage from occurring, especially in the case of an internal water source like bursting pipes. However, in the case of flooding caused by a weather event, all you can do is wait for it to end at a safe location. Some tips for damage control:
- Turn off your water
- Turn off the electricity
- Ventilate the space
- Remove what you can
Step 2- Call It In
First, you should call you insurance company. You'll probably need to clarify with them what your policy covers in terms of water damage. Sudden, accidental water damage is often covered under an all-perils policy. Flooding is usually added separately. They may have some recommendations of water damage remediation companies that they work with- be sure to find one that will fix broken pipe, remove the water and clean all of your contents. If the area is not thoroughly dried you could be dealing with mold damage in the future.
Step 3- Gather Evidence
Your insurance company will probably want to send out an inspector to compile a file on the event and evaluate the water damage, in order to determine your compensation. It will make the process run smoother, so you get your money quicker, if you are prepared for this visit. Be sure to give them everything you documented about the disaster. Gather proof of value for everything damaged. Include estimates from repairmen and plumbers.
Incidences like bursting pipes are more easily resolved with the support of an insurance company behind you. In order to gain that support, you'll have to make a claim. Be sure to do it right!