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Fire & Water - Cleanup & Restoration

What You Should Know About Filing an Insurance Claim for Water Damage

6/13/2019 (Permalink)

Water damage in an Ontarioville, IL home

Water damage can wreak havoc on your home in Ontarioville,IL, and can lead to some pretty unpleasant outcomes. It's important to deal with any destruction as soon as it occurs. Filing an insurance claim right away may end up benefitting you in more ways than one. Here are the steps you should take if your home has been affected.

Document the Damage

Undoubtedly, your insurance company will want to see the destruction that has occurred. Be sure to take pictures before anything is moved so that everything is properly documented. Write down any items that you may need to be reimbursed for. You will want to give your insurance company as much information as possible about each of your possessions. Here is are some things they may ask about your belongings:

  • How long you've had it
  • The original price
  • Where you bought it
  • The model number

Go Over Your Policy

Generally, it is a good idea to review your policy before you file an insurance claim. This way you can understand what type of coverage you have when you call your company. You may find that the amount that you are reimbursed depends on what caused the damage in the first place. Often times, if you've had a pipe burst or been through a natural disaster such as a flood, you are more likely to receive money than if you had a plumbing issue or a problem with a household appliance that you left untreated for a long period of time. Issues that arise due to negligence may not be covered.

Filing an insurance claim is a process, so you want to make sure you cover all of your bases before you call your company. If you are unsure about anything in your policy, ask questions. The sooner you get this taken care of, the better off you'll be when you call a water damage specialist to come take care of the issue.

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