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Fire & Water - Cleanup & Restoration

How To Make a Water Damage Claim

11/24/2020 (Permalink)

Image of a bursting white pipe Bursting pipes can lead to water damage.

Water damage is the second-most frequent insurance claim that homeowners make, following right behind hail and wind damage. If your West Valley City, UT, home finds itself under attack from bursting pipes or other unwanted water, here’s how to make an insurance claim.

5 Steps to Make a Water Damage Claim

1. Take Photos

Before you do anything, take photos and videos of all damages just as they are. Do this before you clean anything, move anything or enlist the help of a certified water mitigation company. Documenting the evidence is important to the success of your claim. That “Fix Broken Pipe” sticky note on your desk can wait.

2. Contact Your Insurer and Fill Out the Paperwork

After you document the damage, contact your insurance company and let them know you’ve suffered water-related damages. They’ll likely have you fill out several forms. Be as accurate as possible.

3. Meet With the Claim Adjuster

Your insurer will send a claim adjuster to your residence to inspect the damage. How quickly this happens is subject to several factors, but in most states, an adjuster is required by law to appear within two weeks. He or she will examine evidence of bursting pipes, faulty appliances and the like.

4. Await Your Verdict

The claim adjuster has two more weeks after his or her visit to make a decision regarding the validity of your claim. If you disagree with the adjuster’s findings or the proposed reimbursement, try negotiating for a fairer settlement.

5. Collect Your Settlement

Once you and your insurer agree on a settlement for your claim, your insurance company should issue you a reimbursement check for the restoration. Be advised that they may not cover all repairs or the replacement of everything destroyed. Read your policy carefully or talk with your agent to gain a firmer understanding of what is and isn’t covered by your policy.

Bursting pipes happen; so do failing water heaters and faulty dishwashers. Follow the water damage claim process step by step, and you may be able to recoup most of your lost property.

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