File a Water Damage Claim in 5 Easy Steps

10/28/2019 (Permalink)

There are unique aspects to every type of insurance claim.

There are unique aspects to every type of insurance claim. When dealing with water damage, there is an urgent need to dry out your home before mold becomes a problem. Follow these steps to get the claims process moving as soon as possible:

1. Notify the Insurance Company
Once the flow of water from the pipe burst stops, contact your insurer. Do this immediately, even if it is 2 a.m. on Sunday. Leave a voice mail if nobody answers. Start the claim if you get through to an agent. Explain your problem and ask the agent about your coverage. Ask for instructions, then write them down and confirm that you understand them. Request the preferred vendor list so that you can select water damage recovery experts in the Knoxville, TN, area.

2. Follow the Agent’s Instructions
Instructions may involve filling out an insurance claim and preparing for a visit by the adjuster. It is essential to complete these tasks as quickly as possible. If the agent authorized you to contact a cleanup company, do so quickly. Cleanup needs to start as soon as possible.

3. Take Photographs of the Flood Damage
Now is the time to take photos to show what was affected. The adjuster needs to see the original damage. A smartphone is a terrific tool for documenting any issues.

4. Begin the Recovery Process. Make sure that the damaged area is safe to enter. It may be necessary to turn off the power. Next, you should proceed to remove everything you plan to keep. Store undamaged items in a dry area. Send the damaged items out for restoration.

5. Give the Adjuster a Tour of the Damage
Provide the adjuster with your pictures and the information requested by the agent. If all the information is available, this should go smoothly.

Once your insurance claim approval is complete and the local water damage recovery experts are on the job, your home will be on the fast track to restoration.