What You Need to Know About Water Damage Insurance Claims
No homeowner wants to be in a position to have to file an insurance claim or deal with the resulting damages. Unfortunately, water damage claims in Spokane are something that can and does happen.
It is important to know a little bit about what will happen, what you should do and what to expect in the event you need to file a water damage claim. Especially, since you need to know about how this will impact your home and necessary repairs.
What's Next?
There are plenty of reasons your house could end up taking on water, from weather to plumbing issues. What matters is that you react and deal with it, once the home has been deemed safe.
- Safety is always first! Do not take risks like walking through areas with water if the power is still on. Do not take any chances with the well-being of yourself or your loved ones.
- Contact your insurance company and have your policy number handy. It is a good idea not to rush to mention what you think the cause of the water damage is. It is better to let a professional do an assessment and come to a conclusion. If you have damage from rainwater but use the word flood, your insurance may not cover the damages.
- Make it a point to document damage you can easily access with photos, videos or both. Also, preserve damaged items to show them, instead of throwing them away. You need as much proof as possible of the damages to share with your insurance provider.
- It is a good idea to create a detailed inventory of your damaged possessions. This should include the make, model, age and current condition, when possible. You may want to also include the replacement cost along with the actual cash value.
- Do what you can to prevent further damages. This includes water removal procedures, boarding up damaged windows and taking water-damaged items to an area where they can dry out.
At Carter Construction, we provide fast, emergency service in order to restore your property in a prompt and professional manner. We also help make the insurance process easier by providing accurate estimates and assisting with the mitigation of your claim.