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Homeowners Insurance Water Damage Claim

By August 2, 2017 One Comment

Water Damage Insurance Claim Tips

Homeonwers insurance, homeowners water damage claimThis list of Homeowners Insurance Claim Tips is from Insurance Claim Consultants, who help property insurance policyholders with property loss claims such as water damage.

  • Request a certified copy of your insurance contract from your agent or insurance adjuster.

    • It will outline your coverage, your responsibilities and any mold provisions or limitations. Should you need any assistance reading your homeowner’s insurance policy, contact our Flood Busters team at (619)562-3800. Our team is ready to assist you with any questions or concerns you may have. We’re available 24 hours a day, 7 days a week.
  • Begin mitigation of the water damage, NOT restoration of your damaged property.

    • The rebuild and restoration work should only commence once you and your insurance company have agreed to the scope (or amount) of damage. Getting the mitigation started ASAP is IMPORTANT! Mold spores can begin to grow within 48 to 72 hours. More importantly, if you are unsure about the process, contact Flood Busters at (619)562-3800 to schedule a hassle free water inspection.
  • Document all damage with photos and video.

    • If “tear out” of dry wall or flooring is becomes necessary before the insurance company’s claim adjuster can survey the damage, save samples. Flood Busters will save samples  and documentation to provide to your insurance company. 
  • Request that your insurance adjuster use technology to diagnose and document the extent of water damage.

    • In the event that your insurance company does not utilize thermal or infrared imaging or moisture mapping technology then you should consider hiring a public adjuster who does.
  • Obtain your own estimates to gauge the true cost repair or replace your water damaged property.

  • Demand a written explanation and reasons why if your claim has not fully settled within 45 days.

How to Get Insurance to Pay for Water Damage

If you would like your insurance to cover your water damage, you would need to file a claim. Before you do so, make sure you review your policy to see if the cause of the water damage is covered under your policy. If you are unsure where to find that information, you can call our team of experts at (619)562-3800 for some assistance.

Once you call you call your insurance company, they will typically send out an adjuster to review the water damage. Your adjuster will create a scope of work. If you are working with a professional dry out company, like Flood Busters®, they will typically assist you with this process. A professional, third-party company will typically look out for your best interests and make sure you receiving an amount that is fair to dry and repair your home.

Insurance Claim for Water Damage to Kitchen

Should you have water damage to your kitchen, the first step would be to locate the leak. Flood Busters® offers FREE water inspections.  Furthermore, after the leak is located it is imperative that the area is dried out as soon as possible to prevent any further damage. A professional dry out company should provide documentation such as water logs for your insurance claim.

Insurance Claim for Water Damage to Bathroom

Similar to filing a water damage insurance claim for your kitchen, the first step would be to locate the leak. Flood Busters® offers FREE water inspections.  After the leak is located it is imperative that the area is dried out as soon as possible to prevent any further damage. A professional dry out company should provide documentation such as water logs for your insurance claim.

Additionally, if this is your only bathroom, it might be in your coverage to opt for a hotel. Check with your insurance company and your insurance provider to see if this would be covered.

Insurance Claim for Water Damage to Living Room

Like a bathroom and kitchen, the first step would be to locate the leak. Flood Busters® offers FREE water inspections.  After the leak is located it is imperative that the area is dried out as soon as possible to prevent any further damage. A professional dry out company should provide documentation such as water logs for your insurance claim.

Common Water Damage Insurance Claim Questions

Here are some common questions homeowners have regarding Water Damage Homeowners Insurance Claims:

  • Does Homeowners Insurance Cover Water Damage Leaking Plumbing?

    • Depending on what is leaking, insurance may cover what is leaking. This mainly depends on your homeowners insurance policy. Call our team at (619)562-3800. Our team of experts offer FREE water damage inspections in San Diego County and can review your policy with you.
  • Does Homeowners Insurance Cover Water Damage and Mold?

    • Most homeowners insurance policies cover water damage. However, it depends what is listed and covered under your homeowners insurance policy. Mold is often not covered by homeowners insurance but in some instances it is. Give our team a call and we can assess the water damage and help you review your homeowners insurance policy.
  • Homeowner Water Damage Recovery, What Should Insurance Pay?

    • If you work with a licensed contractor, they will write up an appropriate scope of work to your insurance company and deal directly with them. In most instances, your main out of pocket expense is your deductible.
  • Does Homeowners Insurance Cover Water Damage from Broken Pipes?

    • Your homeowners insurance policy may or may not cover the actual cost to fix the pipe(s). This mainly depends on your homeowners insurance policy. Call our team at (619)562-3800. Our team of experts offer FREE water damage inspections in San Diego County and can review your policy with you.
  • Does Homeowners Insurance Cover Water Damage from Leaking Roof?

    • This mainly depends on your homeowners insurance policy. Call our team at (619)562-3800. Our team of experts offer FREE water damage inspections in San Diego County and can review your policy with you.
  • Does Homeowners Insurance Cover Broken Sewer Pipes?

    • This mainly depends on your homeowners insurance policy. Call our team at (619)562-3800. Our team of experts offer FREE water damage inspections in San Diego County and can review your policy with you.
  • What Type of Water Damage is Covered by Homeowners Insurance?

  • Does Homeowners Insurance Cover Clogged Pipes?

Flood Busters®: 24/7 Emergency Water Damage Service

If you have flooding or water damage in your home and live in San Diego County (We cover as far South as San Ysidro, National City, and Chula Vista and as far North as San Clemente, Temecula, Carlsbad, Vista, Poway, Valley Center and Fallbrook. We also cover the coastal communities, Imperial Beach, Mission Beach, Coronado, Solana Beach, Mission Beach, Del Mar, and Coronado to El Cajon, San Carlos, Lakeside and Alpine.) call Flood Busters  (619)562-3800 today. Think you are outside of the zone or just looking for information, do not hesitate to give us a call! We are a 24/7 emergency service and are waiting for your call. Lastly, if you are looking for water damage restoration or repair companies, make sure they are registered with the California State License Board and have a valid license.

Should you have a flood or water damage in your San Diego home remember, Flood Busters® knows what to do- We Ain’t Afraid of No Flood®!

Flood Busters® (619)562-3800