What NOT to Do When Filing Insurance Claim for Water Damage

4/8/2020 (Permalink)

We showed you in a recent post what to do when filing a water damage insurance claim, but here are a few tips on what NOT to do when filing a water damage insurance claim. Keep your home and family safe with these tips.

Throw Anything Away

DO NOT THROW ANYTHING AWAY you will need evidence for your water damage claims. If your policy states that the damaged property should be available for inspection at any time throughout the claim, so you should not throw away any damaged items until the insurance company has authorized this in writing. If you dispose of your “evidence” too early, you risk having these items denied coverage or not paid for.

You are also advised to keep any receipts, credit card statements, and bank statements concerning your property as they can also help you support your claim and prove the values of your damaged items.

Make Permanent Repairs before You Have Approval from the Insurance Company

Your insurance company will want to inspect your property in order to determine what repairs will be required and how much they are going to cost. If you start reconstruction works before the insurance company has approved them, you may not be paid for the repairs. Large insurance claims always take long to settle and involve a lot of negotiations, so you must be patient and prepared to wait until you are certain that the restoration costs will be duly covered.

Keep these tips in mind when you have a water damage --call us at SERVPRO® of Madison, Rockcastle, Garrard, & Lincoln Counties help clean up the water damage in your flooded home.