Steps for Filing a Water Damage Claim

7/23/2019 (Permalink)

When your home in Chesterfield, MO has sudden water damage, it may seem like there is not a lot you can do to overcome it. The truth is, however, that there are several steps that you can take. Being proactive can not only help to minimize the extent of the damage but also give you all the information you need to file a successful insurance claim.

1. Consult Insurance 

Your insurance agent should be your first call after a flood. The sooner you can report a problem, the faster an adjuster can come to your home and survey the damage. While you are waiting on the adjuster to arrive, it's a good idea to peruse your policy to re-familiarize yourself with its terms. List any questions you can think of to ask the adjuster or your agent.

2. Call Plumber

After you hang up the phone with the insurance company, it's time to deal with the damage. Call a licensed plumber and water cleanup experts. They often arrive within hours of your call to assess the damage and provide an estimate that is helpful with your insurance claim. They can also give you a list of things to do to stop more damage from happening, such as turning off the water main, cutting electricity to the affected area and removing standing water safely.

3. Document Damage

Before you remove any water, however, document the damage the pipe burst has caused. Take videos or pictures of the walls, floors and ceilings the water has touched. Having proof of the initial damage can help with your claim even if the adjuster arrives after repairs are already underway.

Even if you don't have the expertise needed to fix water damage, you still have plenty to do when your home is flooded. Calling the appropriate professionals and documenting the damage in a timely manner can be instrumental in getting your insurance claim accepted.