What Does the Claims Process Look Like for Water Damage Restoration?

Water damage is something we all dread will occur in our home, but it can and does happen for any number of reasons, including a fire requiring fire department action, a severe storm, a flood or even a burst pipe. When it does happen, you will want to salvage as much as you can, and hopefully you have a good homeowners’ insurance policy that will help pay for the water damage restoration.

Whether you’re in a water damage situation right now or simply want to be prepared, it’s a good idea to know what the claims process will look like for a water-damage restoration situation.

Before Water Damage Happens

To prepare for a possible water damage situation, the first thing you should do is make a home inventory of all your valuables, with descriptions, serial numbers if possible and approximate value. This will help you get the most out of your claim. Next, check your policy carefully for any exceptions that might allow the company to not pay for water damage restoration. If you find any, adjust your policy. Remember, if the damage is caused by a flood, it must be covered by flood insurance, which is separate from your regular homeowners insurance.

After Water Damage Happens

Contact your insurance company as soon as possible to file your claim. Also, if there is anything you can do to prevent further water damage, take that action immediately. You want the insurance company to feel you did your best to minimize the damage. However, take care not to destroy any evidence of damage that was caused by the incident you are filing about. It’s a good idea to take pictures of everything before taking any action. When you contact your insurance company and tell them what happened, they will walk you through the rest. As long as you remember to come armed with your inventory, knowledge of your policy and pictures, you should be prepared.

Choosing a Water-Damage Restoration Company

The process will go much more smoothly if you know the water-damage restoration contractor you want to use before you contact the insurance company. In fact, it’s even better if you have one ready before you even need water damage restoration, as whatever caused your water damage is likely to cause you no small amount of stress.

If you’re looking for a hassle-free, reliable water-damage restoration company, contact ServiceMaster Restore today at 773-219-0686 or online. In addition to offering fast, friendly service 24/7, ServiceMaster Restore can make dealing with your insurance company easy, collecting only the deductible from you and billing your insurance company for the rest if you have a qualifying claim.

Leave a Comment