The Guide to Claiming on Your House Insurance for a Water Leak

Water leaks in your home can be a headache, but when they result in damage, they become even more problematic. The first course of action should be to stop the water leak to avoid additional damage. But what if the damage caused by the leak is extensive? How can you cover the costs of repair or replacement? This is where house insurance comes in and claiming on your insurance for a water leak should not be a daunting task. In this guide, we will cover everything you need to know about making a claim on your house insurance for a water leak.

Check your house insurance policy coverage

Before you file a claim, it is necessary to familiarize yourself with your house insurance policy. Review your policy and examine what type of water damage is covered. The wordings of an insurance policy differ, and the coverage will vary depending on the insurer. Your insurance policy should cover the subsequent damage caused by the leak. It is important to note that if the insurance company finds out that the leak was caused by neglecting to maintain the home, the claim might be denied.

Contact your Insurance Company

Once you're familiar with your policy coverage, contact your house insurance provider. They will assign an adjuster to assist in filing the claim. You may choose to hire an independent insurance adjuster to work on your behalf, especially when you feel that the compensation offered is unfair. Five Star Claims Adjusting in Orlando, FL, offers free inspections to assess for damage, and they specialize in negotiating the best settlement amount even in tricky cases.

Document

Before you start repairing damages, document the affected areas by taking photographs and taking notes to support the claim. Do not throw away damaged items as they can hold important information to argue your case. An insurance adjustment company such as Five Star Claims Adjusting could also help with documenting the damage to present to the insurance company to ensure you receive the compensation for your damage.

Repairing and Replacing Damage

After your house insurance has accepted the claim, they will evaluate the damages and offer the compensation for the damage, which should cover repair and replacement costs. Some policyholders choose to handle the repair or replacement work themselves, while others choose to work with contractors referred by the insurance company. As the policyholder, you have the final decision on how the damage should be resolved.

Conclusion

Water leaks can cause significant damage to your home, but fortunately, making a claim on your house insurance for water damage should not be too difficult. Knowing the coverage of your policy, contacting your insurance company, and documenting the damages can make the process easier, and hiring an independent insurance adjuster such as Five Star Claims Adjusting can save you money. Damaged items should be photographed and kept to argue your case and finally repair and replacement should be done quickly to avoid further damage. If you're looking for an insurance loss adjuster in Orlando, FL, contact Five Star Claims adjusting today and schedule a free inspection if you suspect water damage in your home, they are here to help.