Burst Pipes and Paperwork: The Basics of the Water Damage Claim
The Basics of a Water Damage Claim: Burst Pipes and Paperwork
An insurance claim, especially for burst pipes, is often a dreaded piece of paperwork, not only for the damage it represents but for the somewhat mysterious process involved. The basics have been broken down for you below to help demystify the process.
1. Request and Submit Claim Forms
After broken pipes cause a flood, call your insurance provider immediately and request any claim forms. During your initial conversation, it is appropriate to ask any coverage questions you may have. Understanding your policy now will mean fewer errors on the forms later and less likelihood of your form’s rejection after submission.
2. Mitigate Further Damage
While the insurance claim process can take several weeks to complete, you do not have to allow your home to sustain further damage. In fact, most insurers require homeowners take mitigative action to reduce the risk of continued loss. Therefore, you should remove excess water, board up any broken windows, shut off problematic water lines and clean out the affected areas.
3. Itemize Damages and Losses
After making a claim, your insurance company may send out an adjuster to assess the extent of the damage and any potential liabilities. You can make this process more efficient by itemizing any structural damages and property losses. Additionally, an adjuster may want a record of any acquired expenses because of the pipe burst damage, such as cleanup and mitigation costs. Keep Receipts for cleaning materials and pictures of losses as proof.
4. Ask Questions and Seek Assistance
While your insurance company can offer you the most significant insight into your coverage, you may want to search the Polk County, FL, area for a restoration specialist who can answer your mitigation concerns. Mitigation professionals have the expertise to either help you understand the process or to complete the cleanup process for you. As most insurance companies prefer you work with a professional, it may be beneficial to secure several cleanup bids to show the adjuster when they come.
The insurance claim process may seem a bit daunting, but it really comes down to paperwork, mitigation, itemization and cleanup. The process, while intimidating, is manageable when you understand the basics above.