Water Damage Insurance: The Scoop
- What do I do after water, fire, or mold damage? Who do I call? We answer your questions about what to do next, how to file your insurance claim, and what you can expect in terms of cost.
Table of Contents:
- Insurance Coverages
- Insurance: What it Doesn’t Cover
- When Filing Your Claim
- Avoid These Mistakes When Filing Your Claim
- Put Your Mind at Ease
- Who to Hire for Water Damage Restoration
Insurance Coverages: If the source of water or flooding is from inside of your home, chances are that you will be covered by your insurance for water damage restoration services. Examples of water damage from inside the home include:
- Roof leaks
- Slab leaks
- Sewage overflows
- Toilet leaks
- Toilet overflows
- Leaking plumbing
- Burst pipes
- Frozen pipes
- Hot water heater breaks
- Appliance leaks
- And more
Reach out to your selected water damage restoration company and/or insurance company to verify the details of your coverage.
Insurance: What it Doesn’t Cover: Unfortunately, there are several circumstances that may prevent you from using your insurance for water damage restoration. Insurance companies use the phrase “gradual damage” to describe the water damage situations that may not be covered by insurance. Gradual damage is a term that describes issues that were not sudden or unexpected. Examples include:
- Flooding: Rain water or water that floods your home (from the ground) usually isn’t covered by standard homeowners insurance. You will usually need flood insurance to cover these types of situations. Flooding may include drenched ground, river overflow, and rainwater accumulation.
- Damage from neglected maintenance: Neglected plumbing can cause leaks, which may lead to water damage and mold. Insurance companies may consider old plumbing leaks “neglect”, and might not be covered as a result.
- Sewage water or leaks: If water leaks into your home from an outdoor water leak or outdoor sewage overflow, you might not be covered for water damage restoration.
When Filing Your Claim:
- Before calling, stop the water at the source. This will prevent additional damage to your property.
- Record proof of the water damage: Take pictures and note dates/times of damage.
- Record proof of damage to your belongings: It is a good idea to create an itemized list of your losses.
- Review your insurance policy: Investigate whether your insurance company covers the type of damage that your property suffered. Even if you’re not sure about coverage, it doesn’t hurt to call and ask!
- If you choose to file a claim, follow these steps:
- Fill out any insurance claim forms that the insurance company sends to you, and return them as quickly as possible.
- Make arrangements for the insurance adjuster to come to your property to inspect damage
Avoid These Mistakes When Filing Your Claim:
- Make sure to file your claim on time
- Do not throw anything away, even if it was damaged
- Do not make any repairs on your own
- Do not feel pressured to use your insurance company’s suggested vendors: It is your right to choose the water damage restoration company of your choice!
Put Your Mind at Ease: Water or fire damage is not an everyday occurrence, and the experience can feel overwhelming and confusing. If you choose to work with GET Restoration DFW for your water damage restoration, and also choose to file a claim, we will help guide you through the entire insurance claim process and bill insurance directly for services rendered. Our experts will work closely with your insurance adjuster so that you get the best compensation for your losses.
Who to Hire for Water Damage Restoration: You have a right to choose the water damage restoration company of your choice. GET Restoration DFW is a customer-oriented company that will focus on returning you to a sense of normalcy as quickly as possible. GET Restoration DFW has the edge over other water damage restoration companies:
- We work closely with many insurance companies, and have for over 25 combined years.
- We pledge to represent your best interests while discussing your unique situation with your insurance company.
- We know how to document evidence and provide proof of damage, and we will send this to your insurance company on your behalf.