3 Tips for Filing a Water Damage Claim
The Following Tips Can Help You File a Claim
Water damage from a sudden event, such as bursting pipes, is one of the most common reasons people file a homeowners insurance claim. Not all types of water damage are covered by a standard homeowners policy. These three tips can help you successfully file a claim.
1. Know Your Policy
Standard homeowners policies cover damage that results from a sudden and accidental discharge of water. Examples of sudden and accidental discharges include bursting pipes, a clogged toilet that overflows or a water line that suddenly breaks on an appliance. However, standard policies usually do not cover damage that results from an ongoing issue, such as a toilet or a roof that has been leaking for months. Homeowners policies also usually exclude flood damage that occurs from water sources outside the home, such as a flooded creek.
2. Gather Your Records
It is a good idea to keep your receipts any time you fix broken pipe or have other work done on your home. You may also want to keep a written record of when the last time you had the major systems of your home inspected was. This can help you make the case that your damage resulted from a sudden, accidental discharge and not from poor maintenance.
3. Mitigate Your Damages
Most insurance policies require the insured to make an effort to mitigate their damages. This means that if you discover a broken pipe you are required to take steps, such as shutting off the water and drying out your property to avoid damage from standing water. If you spend money on supplies or hire a water remediation professional, take photos first and keep your receipts.
If bursting pipes or some other sudden event has caused water damage in your home, these three tips can help you successfully file a claim. However, if you are ever unsure, it can be a good idea to check with your insurance professional in Friendly Hills, CA, before you make repairs or spend any money.