Making a Water Damage Insurance Claim: 3 Steps

12/30/2021 (Permalink)

Water damage in Waterford Estates, TX.

Making a Water Damage Insurance Claim: 3 Steps

When your Waterford Estates, TX, home is damaged by flooding, it can be difficult to know where to turn for help. Not only is there standing water to deal with as a result of burst pipes, but you might also be facing building material damage and mold growth, both of which can severely impact the integrity of the structure. Making a water damage insurance claim can begin the recovery process, and there are a few steps you can take to ensure the process goes smoothly.

1. Contact Your Local Agent
Once it becomes obvious that an indoor flood has caused a serious amount of trouble, it is wise to contact your local insurance agent to discuss your existing coverage and what other actions you need to take to file your claim. Your agent may be able to begin your claim over the phone and schedule an inspection so you can proceed with repairs without having to worry about the cost.

2. Take Photos
Taking photographic evidence of flooding caused by bursting pipes can help you provide proof of all the damage sustained to your insurance company. It may also offer proof that the flood was not due to neglected pipes or poor maintenance, which could cause a denial of coverage. Consider providing the insurance agent with photos and video so the evidence is well documented and print out photos to keep as part of your insurance records.

3. Review Repair Options
Once your claim is approved, you can move ahead with planning for repairs. Call in flood damage and restoration service to discuss which repairs are most needed, whether you can fix broken pipe components or if they need replacing, and whether you need mitigation for secondary damage, such as mold growth.
When bursting pipes or other water events cause a flood at your Waterford Estates, TX, home, the results can be devastating. Knowing how to file an insurance claim can provide you with peace of mind when the unexpected occurs.