It is essential to know how to maximize your water damage insurance claim. Once your plumbing starts to leak or your ceiling drips, you will be thankful that you purchased homeowner’s insurance. After a loss, you would think that since you have insurance, your claim would automatically be covered for all your damage, but that assumption is not always correct.

Although most homeowners eventually get their claims covered and paid, insurance companies are determined to keep payments on your claim low or non-existent. Below are some steps you can take to help get your claim delivered.

1.   Stop the Cause of the Damage

Once you realize that you have water damage, you should take all necessary steps to limit or control the amount of ongoing harm, if you can. If you don’t protect your property from further damage, your insurance company may decline some or all of your claims, stating that you should have taken action to protect your property.
The protective steps you can take depend mainly on the water damage you have. If you are experiencing a plumbing leak, turn off the water in the house. For roof leaks, put up a tarp to block rain temporarily.

Always immediately contact the appropriate professional (a plumber, restoration specialist, roofer, or water remediation company). These professionals may be better equipped to control the continuation of any damage and can also get started on repairs more quickly. That being said, you may want to hold off on signing any binding repair contracts until the insurance company has fully processed your claim, as you risk the insurance company not approving the total amount of the repairs. Getting an estimate to show the water claim adjuster may be better before committing to extensive maintenance.

It’s also vital that you don’t immediately throw away any of the damaged items. Keep water-damaged things (and debris) in plastic bags or containers, and then show the damaged items to your water claim adjuster as physical proof.

2.   Keep Evidence of the Damage

To assess your water claim, your insurance company will require you to present evidence or indicate what parts of your property were damaged. Fortunately, it’s easy to document the condition of your property with the camera on your smartphone. Take as many photos as possible of all the damage, and also try to include pictures of anything that you believe may be the cause of the damage.

If possible, you should also take videos to help document the damage. Videos are even more convincing than pictures and can provide a better view of the damage.
Besides photo and video evidence, you should also create a written list of all damaged property. This list should describe the destroyed items, including each item’s value and projected replacement costs. If you’re unsure about the pricing, a restoration expert can provide insight into the value of a piece of furniture or a specific item.

Have the professionals you’re working with assist you with creating quotes and reports explaining what happened and how much it will cost to fix the damage. Professional plumbers and roofers should be familiar with this procedure. Don’t forget to keep your receipts if you pay up-front for any quick repairs.

3.   Report the Damage to the Insurance Company

This is the most crucial step – immediately (or as soon as possible) contact your insurance company and notify them of the loss. For this step, you must call your insurance company and let them know you have had a loss. It is essential not to delay contacting the insurance company, or you risk the insurance company denying your claim for not notifying them promptly. Even if you think you can repair yourself, telling your insurance company after a loss will save you many headaches later. If you’re unsure whether your policy will cover your water damage claim, you should still claim with the insurance company. The insurance company will inform you if you’re not covered, and there’s no fine or penalty for asking.

You’ll probably be asked about your policy number, so make sure you have your policy with you before you make the call. If the insurance company asks you to fill out a “proof of loss” form, ask them to send you a copy of the document (preferably by email) or ask them where the state can be found online so you can print it out.

If you feel the entire process is too complicated for you or don’t have time, you can contact an insurance dispute lawyer. They have lots of experience handling claims of all types and can help get your claim paid timely and for the correct amount.

4.   What Kind of Damage Is It, Flood or Water?

Flood and water damage are entirely different from those of an insurance company. Floods are caused by nature and can affect more than one home (with exceptions for large rural properties). At the same time, water damage can include anything from leaking HVAC equipment, roof damage, broken pipes, or a million other things. Flood damage is usually caused by “rising” water, as opposed to damage caused by different types of water intrusion.

Although the vast majority of homeowner’s insurance policies cover water damage, very few homeowner’s insurance policies will cover flood damage. Flood damage is usually covered under an entirely separate policy. Be sure to check with your insurance company about the coverage you have on your policy. If you don’t have a different flood policy, you should speak to your agent about purchasing this individual coverage.

5.    Hire a Florida Insurance Claim Lawyer

The process of handling a water claim insurance process can be slow and time-consuming. If you have a substantial or complicated loss, hiring an insurance claim lawyer is the best route to secure a payout. Since insurance claim lawyers aren’t tied to the insurance company, they are unbiased and can focus only on finding the truth –. In contrast, the insurance company’s adjuster may be solely focused on minimizing the insurance company’s payout.

6.    Avoid Using Insurance Company Vendors 

After assessing the water claim, the insurance company will often try to convince you to use their vendors to repair your damage instead of paying you for your claim. Your insurance company may state that they have a team of roofers, plumbers, or restoration experts who can do the work for you. However, you must understand that these people get their work directly from the insurance company and are naturally beholden to the insurance company.

Since the interests of these vendors align with the insurance company, you may not always get an unbiased assessment from them. When seeking to repair your home, always make sure you choose a repair company you can trust to be on your side, not a company that will do the insurance company’s bidding.

Has Your Home Insurance Company Denied or Undervalued Your Water Damage Claim in Florida?

If your insurance company is dragging its feet regarding your property damage claim, you should speak with an experienced insurance claim lawyer as soon as possible. Please contact us online or call our Florida law office at 800.451.6786 to schedule your free consultation. We help Florida residents like you fight the big insurance companies who fail to abide by their policies. Remember, we work on a contingent basis, meaning you don't pay us anything until we win your case. 

K.C. Williams III
Managing Partner who has spent his entire career representing Florida insurance and personal injury claims.
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