Water Damage Insurance Claim Tips
When it comes to getting your water damage claim approved by your homeowner’s insurance, many people don’t know a few easy tips to ensure full coverage, no matter the damage.
Familiarize yourself with your insurance policy – and don’t be afraid to change a policy, or a company, if you realize that your coverage is insufficient. The annual cost of a comprehensive policy is generally far lower than the risk of not having coverage.
- Remember that whatever the details of your policy might be it, will not cover “gradual damage.”
Order an inspection as soon as you suspect something might be wrong – if you wait until you are sure (for example, until you notice a mold infestation), then damage will have had time to accumulate, and the inspector and insurance company will be more likely to declare it a result of gradual damage… and deny the claim.
Any professional certified inspector YOU select is the right choice for YOU. Any inspector selected by your insurance company is also the right choice – for your insurance company.
- It is important to ensure that the inspector you order represents a company that has the resources, experience and orientation to deal with the underlying cause of your water damage and preventing the problem from recurring.