4 Things To Do When Making a Water Damage Insurance Claim

5/23/2022 (Permalink)

Water damage in a home in Overland Park, KS.

Water Damage Insurance Claim

If your home has been damaged during or after a storm in Overland Park, KS, then you will likely need to make an insurance claim. If this is not something that you have done before, then the process can be overwhelming. Taking the following steps will help you get through it more easily.

1. Call Your Insurance Agent
One of the first things you should do is contact your insurance agent to start your insurance claim. This will get things moving in the right direction. Some companies have a limit for how long you can wait to make a claim, so the sooner you do this, the better.

2. Read Over Your Policy
Most people don’t have their insurance policies committed to memory. If it has been a while since you’ve looked over yours, take time to do this while you wait for an insurance adjuster to inspect your home. Make sure you know what is covered and what is expected of you.

3. Document the Flood Damage
An insurance adjuster will need to inspect your house, but that doesn’t mean that you have to sit around and wait for them. In the meantime, you can take pictures of damaged areas and belongings to give to the adjuster. It can also be helpful to make a list of affected items and their values. Gather relevant receipts if you have them.

4. Start the Mitigation Process
Water damage from severe weather or a pipe burst can quickly get worse if it is not removed right away, leading to a lengtheir restoration process. A professional remediation company can begin mitigation and repairs even if you are still waiting for an adjuster. They can also help you document the damage if necessary.
Dealing with damage to your home can be stressful, but filing an insurance claim doesn’t need to be difficult. Starting the process as soon as possible and familiarizing yourself with your policy can save you time and energy. Address any damage right away, even if you are still waiting for an adjuster, to make repairs easier.