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Fire & Water - Cleanup & Restoration

How To Make an Insurance Claim for Water Damage

10/16/2019 (Permalink)

Wet ceiling Wet ceiling due to pipe break in a Hingham,MA home

How To Make an Insurance Claim for Water Damage

When disaster strikes in Hingham, MA, you're going to need all the help you can get. Often, that assistance comes from your insurance company and a home adjuster. So, how can they help you get back on your feet after experiencing water damage?

Before an Incident

Before you need it, you want to clarify your policy with the insurance company. Water damage is sometimes covered under an all perils policy. Flooding is usually a separate policy. If your damage is the result of negligence, like an old roof or a rusted pipe, they probably won't cover you. These are examples of situations that are usually covered:

  • Storm damage that allows rains to enter the home
  • Sewage backup and overflow
  • Sudden or accidental pipe damage

During an Incident

To make a thorough insurance claim, you'll be expected to document everything you can, especially using pictures or video. Next, you should attempt to prevent more damage from occurring by shutting off the water source and drying out what you can. If part of your home is exposed to the outdoors, cover it with tarp or plywood.
You should also keep records on your interactions with the water damage remediation service, so that you can potentially be compensated. If you need to temporarily relocate, keep those receipts as well.

After an Incident

A home adjuster will most likely come visit you to assess the extent of damage and value of the compensation. Gather all proof you have of the value of your contents and property and create an inventory. Show the pictures and video you took to document the incident. Additionally, show reports of how it occurred and the estimates of the damage and repair costs.
A home adjuster from your insurance company is like a liaison. To receive the most help possible, do everything you can to make life easy for the adjuster and have everything prepared in advance. That way you are more likely to get compensated.

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