If you need to file a water damage insurance claim, you may be feeling overwhelmed or even stressed. Property damage of any kind can cause an endless amount of headaches and can end up costing you a significant amount of money. There are a lot of aspects that need to be considered when you are handling water damage in your home. On top of the damage to your home, the disruption of your daily routine can cause you and your family even more hardships. This is why handling a water damage claim the right way is imperative to making sure you get everything you deserve in the quickest amount of time. If you’re in the Miami area, Mutual Claims Services can offer you the help and guidance you need for handling these situations.
Successfully Handling A Water Damage Claim
The first thing that is important about understanding a water damage insurance claim is it is critical that you have the right type of homeowner’s or renter’s insurance. This is why it is imperative to thoroughly go through the fine print of your policy before purchasing it. However, once you have your policy, you need to make sure that you handle a claim the right way so you can get everything you are entitled to.
According to research the most common type of homeowner’s claim is for damage from water. This means that insurance providers are well prepared at dealing with these claims and they also know all of the loopholes they can use to pay less money to the insured party. This is why having a public adjuster that can help you navigate the process is essential.
The first thing that you want to do after there has been damage done to your home is to call your insurance company. It doesn’t matter if the flooding is from extreme rain or leaking pipes you want to make sure your insurance provider is aware of the damage from the very beginning. This will help eliminate any doubts or questions about the source of the damage. Notifying them promptly will also allow the claims process to move along at a quicker rate. When you call you want to make sure that you have your policy number and a complete copy of your policy. They will also ask you a number of questions about the damage so make sure you gather as much information as possible.
After your insurance company has been notified and you have taken pictures of the damage you need to make sure you take measures to prevent additional damage from occurring as well as secure any of your valuables. It is advised that your board up any broken windows or doors, put a tarp over any holes that are in your roof, turn off your water supply, and finally remove any freestanding excess water.
In order to get reimbursed for your damaged items, you want to make sure that you take a detailed list of any personal items that were damaged or destroyed due to the water. When you are making an inventory list, you want to make sure that you include the make, model, age, and condition of your items prior to the damage.
Mutual Claims Services in Miami can provide you with a public adjuster to help with your water damage insurance claim. If you’ve suffered from water damage, it is important to understand the best way to file a claim, so you receive everything you deserve. Call or visit us today to find out how we can help you!