3 Tips for Filing a Water Damage Claim

2/14/2020 (Permalink)

A flooded home in Durham, NC

3 Tips for Filing a Water Damage Claim

Bursting pipes are a mess and a headache, requiring attention right away. Therefore, homeowners in Durham, NC, should quickly speak with their insurance agency, seeking financial help and guidance. As the paperwork begins, it's important to remain attentive, constantly getting updates and asking questions about what is needed. Be in the know so that you can get the aid you deserve.

1. Remain Up-To-Date on Inspections

Sometimes, an agency denies a filing, stating it falls under gradual damage. This means that the issue began long before you called. While you may not have noticed the problem, it's hard to avoid looking negligent. To fight this, have annual evaluations and maintain records of your plumbing and roof inspections. Evidence of constant monitoring and attention may indicate you did all you could to avoid major trouble. Fix broken pipe complications immediately, and save those receipts.

2. Understand Your Policy Language

Know the policy language very well. It's tempting to rely on the insurer, but take matters into your own hands. Inquire about your exclusions and exceptions. Ask about who is making the decisions, taking note of names. If a denial occurs, ask who made the call and for what reason. Then, research a bit more for backup. For example, a bursting pipe is complicated. The plumbing replacement may not be covered; however, upon thorough reading, you may be able to request assistance for the resulting damage. This would provide compensation for a water remediation company to complete assessments as well as dry and restore the room.

3. Provide Photo Evidence and Estimates

As soon as you notice water damage, call in professionals to survey the property. Sometimes having an outside opinion, could help validate your claim. The experts can test the building for mold and determine the extent of moisture accumulation. All of this information can be sent to your insurer, along with photographic documentation.
Don't let a bursting pipe ruin your week. Contact your insurance agent and request help. During the early process, maintain contact and stay aware of what is needed. Knowledge and perseverance are essential.