Filing an Insurance Claim for Water Damage

In times of crisis it can be hard to think clearly. When your basement floods or your toilet overflows, panic can set in as you contemplate how to deal with the situation. One of your first thoughts may be to call your insurance company. As a homeowner, this is one of the best things you can do.

Here are the first steps you must take when filing an insurance claim for water damage in your home.

Notify your insurance company right away

Most Insurance companies will want to know right away when an incident that creates water damage occurs. This ensures that they get the most accurate information and can assess the damage in a timely manner.

Know what is covered under your policy

Home insurance policies will vary in what type of water damage they will cover. It is important to be aware of what type of protection and coverage you have with your specific policy.

It is common for a home insurance policy to not cover water damage that is gradual.  This means that a slow leaking pipe or roof may not be covered. Gradual water damage is seen as damage that can be preventable with proper repairs and regular home maintenance.

Sudden accidents such as a flood, storm, sewer backup, or burst pipe are more likely to be covered by insurance. These types of incidents are usually beyond your control as a homeowner.

Prevent additional damage

It will be important to take action. Not only will you want to notify your insurance company, but you will want to take any necessary steps to prevent damage from continuing. This means finding the source, repairing leaks, removing standing water, and addressing anything that would continue to make the damage worse.

Of course, this isn’t something you should try and tackle yourself.

Call in the water damage repair experts

Repairing water damage is something that should be done in a timely manner. It can be pertinent to your health and the structure of your home to get the job done right. Additionally, using our experts will ensure all your bases are covered, from removing water and drying the area to repairing rotting wood and eliminating mold. For water damage repair in Springfield, Ohio, the experts at Reliant Restoration are only a phone call away.

Document the process

Having proper documentation of the water damage in your home will be helpful when filing a claim with your insurance company. Capturing pictures from before, during, and after the incident will solidify the degree of water damage.

In a water damage crisis taking the proper action steps can save your home, your money, and your health. Between your insurance company and Reliant Restoration, we are here to walk you through each step until your water damage is completely restored!

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