How To Get Insurance Pay for Water Damage

How To Get Insurance Pay for Water Damage

Do you know how to get insurance to pay for water damage?

Did you know, that water damage is the 2nd largest cause of insurance claims in the present age. Because water moves fast and can get into every crevice, it is hard to control. Even a simple pipe leak can lead to some severe issues.

The different types of water damage that commonly happen include:

1.      Water backup or sewer backup

2.      Accidental or sudden discharge

3.      Flood

4.      Overflow

5.      Water damage related to a storm (i.e. leaks)

But not all damage is covered by your insurance company.

The biggest issue that comes with water damage is that the repair cost is high. The individuals might not be able to pay for the repair services and it becomes hard for them to restore their homes to their original condition.

Therefore, you should file a homeowner’s claims if you experience damage to assure that they can get money to repair their house.

However, getting the approval for the insurance claim is not as simple as it looks… because if you mention the F-word your claim will likely be denied.

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PRO ADVICE: Don’t Mention The F-word…

Here are some of the steps you need to follow in order to assure that you will get the approval.

 1. Record the proof

First, you have to record the proof of the damage. You can record a video or capture several images. Make sure that the video and images are clear and they should show all the damage that has been done to your house.

Don’t just focus on the main damage… capture the entire room

All the products, furniture, and other parts of the house should be covered in the images properly. Take a printout of all the images and assure that you attach it with your claim application to make your case stronger. If you do not show any proof, chances are that you will not get the claim.

   2. Protect your valuable

Once you have noticed the water damage, it is important that you protect all the valuables that have not been damaged by the water. If you will not remove the items from the path of water it will have a negative effect on your insurance claim. This means you will not get the money to replace your items.

The claims adjuster sent by the company will ask you why you did not remove the items once you noticed water started to leak. In this situation, you will not get approval.

   3. Avoid throwing or repairing damaged items

A common mistake most individuals make is they will throw away the things that have been damaged before the inspection team comes to visit their house. Remember that while claiming water damage you have to show the products that have been damaged.

It is better that you keep all damaged items as proof. They might reject your claim. It is important that you take every step carefully and do not make a mistake that can lead to rejection.

   4. Hire a Public Adjuster

One of the most important things that you have to do is to hire a public adjuster before the insurance company can send their own adjuster for the inspection process. He has the expertise of making everything look like a severe case of water damage and will assure that you get the coverage that you need. Once you have hired the public insurance adjuster he will take care of all the tasks related to the insurance claim. You only have to follow the instructions he has given and assure that you do not make any mistakes. Email to hire a public adjuster.

   5. Estimation (cost of repair)

When you are filing for the claim, you will have to fill the section related to the estimated cost of repair. This can take place before or during the claims process, depending on the type of damage.

You have to assure that you mention the accurate amount you need. At the time the insurance adjuster will do this. But, if you use a public adjuster they will give you the best estimate because they are well versed and trained in property damage.

You’ll take this amount and use it to make repairs, but only after the claim is closed.

   6. Check your policy

The biggest mistake most individuals make while filling out a claim is they do not check the terms and conditions of the policy. It is the biggest reason that their insurance claim is rejected. You should know that there are certain types of water damages that are not covered by the insurance policy and it is clearly mentioned in the contract.

Before filing for the claim, it is important that you check the policy at least once to assure that the damage done to your property will be covered by your insurance policy. Otherwise, filing the claim will be waste of time and money.

Public adjusters work to educate homeowners on their policies. While insurance claim adjuster works for the insurance company and will only tell you the minimum so that do not have to pay out the full amount.

Get a free policy review by contacting a public adjuster.

  7. File for claim

Once you have managed everything properly and collected all the important documents, it is important that you file for the claim. You have to assure that you follow all the instructions given by your adjuster. In case the company is still not ready to provide the coverage you deserve. you can take some help from the public adjuster because they can help you get the most out of your insurance policies. Make sure that you follow the legal steps of filing the claim.

Bottom line

There are many public adjusters working in the industry who can provide you with the help that you are looking for.

You will always get more with a public adjuster than you would try to file on your own.

However, you have to assure that you hire the best insurance adjuster.

Make sure that you check the license and certification of the claims adjuster to assure that you are working with a reliable person. You have to compare the services of different adjusters and select the one who meets your requirements perfectly.

Do not forget to consider the reviews and ratings of the person you are planning to work with. It will give you the perfect idea about their performance. Know about the small fee you will have to pay for the services.

Work as a public adjuster — complete this form here. 

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17 thoughts on “How To Get Insurance Pay for Water Damage”

  1. Thank you for explaining that once you have hired the public insurance adjuster, you only have to follow the instructions the adjuster has given since they will take care of all the tasks related to the insurance claim. The recent storm has brought some severe water damage to our home, and we want to make sure that the insurance will cover all the damages. We better hire a water damage insurance adjuster to assure that we get the coverage that we need.

  2. Thanks for the reminder that I should also be familiar with working with a public adjuster when considering to get insurance. I’d like to know more about that because I’m considering to move to a different state soon. I’m sure that the rules for insurance plans there would be a bit different and I will need to be ready for that.

  3. We had a licensed plumber inspect the damages and problem and the insurance company wants to send their own plumber for further investigation. Is that something they can do and should I allow them to? I live in Texas by the way

  4. An interesting dialogue is price comment. I believe that you should write extra on this subject, it may not be a taboo subject but typically persons are not sufficient to talk on such topics. To the next. Cheers

  5. Thanks for the reminder that it’s important to first get some estimates when planning to get water damage repairs. I will need such services for my basement because it recently flooded down there. I could handle the cleaning myself but I want to be very sure that the flooding wouldn’t affect the structural integrity of my home.

  6. I like this post, enjoyed this one regards for posting. “To the dull mind all nature is leaden. To the illumined mind the whole world sparkles with light.” by Ralph Waldo Emerson.

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