How To Make an Insurance Claim After Water Damages Your Home

2/19/2020 (Permalink)

Making an insurance claim does not have to be complicated

How To Make an Insurance Claim After Water Damages Your Home

When a broken pipe or appliance causes a flood in your Falls Township,PA, home, you may need to file an insurance claim to help pay for any repairs. This can seem overwhelming if you have never done it before. Follow the below steps to make the process go as smoothly as possible.

1. Call the Insurer Right Away
The longer the water sits in your home, the more damage it can cause. You thus need to get into action as soon as possible.
Contact an insurance representative to find out if you are covered for the damage. Most sudden emergencies, such as a pipe burst, are included in a homeowner's policy. You should ask the representative how long it will take for your insurance claim to be processed, as well.

2. Fill Out Necessary Forms
Your insurance provider is legally required to send you a claims form within a certain period of time. Fill this out and send it back to the insurer as soon as possible.

3. Schedule the Adjuster's Visit
Set up a time for the insurance adjuster to come to your home and inspect the property. Before he arrives, make a list of the structures and belongings that were affected by the flood. Give the adjuster a copy of this list along with receipts for the damaged items. You may want to take photos or videos of the property, as well. Avoid throwing out any destroyed belongings until the adjuster has left.

4. Begin Temporary Repairs
Major repairs to your property should be performed by a cleanup and restoration services company. However, before the experts arrive, you should take steps to prevent the damage from getting worse.
Making an insurance claim does not have to be complicated. By talking to your representative, completing the required paperwork and keeping track of any damaged items, you can help your home get back to normal more quickly.