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ServiceMaster Grand Rapids Tips & News

Tags: Insurance

Description:

Water Damage Insurance Claim Tips

ServiceMaster Grand Rapids knows that any emergency, like water damage, can leave us feeling frustrated and anxious about what to do next. Timing is of the essence when it comes to water and flood damages, because you need to act fast and take the right steps as soon as possible.

Call Insurance Company

Who Do I Call First?

The first two calls to make after a water damage event are to your insurance agency or representative, and then to us at ServiceMaster Grand Rapids. Once you’ve let your insurance company know about the water damage problem, they can begin the claims process. Then after you call ServiceMaster Grand Rapids,  we can begin the water extraction process and clean up as soon as possible. Immediately begin documenting the damage and keeping records of what may need to be replaced.

What Should I Be Documenting?

Take as many photos and videos of the damages as possible BEFORE any type of cleanup or restoration has begun. Your insurance claims adjuster will want to see how severe the damages were before restoration takes place. Do NOT throw anything away, even items that seem unsalvageable. Your claims adjuster will need to inspect these items and their level of water damage as part of the claims process. 

Gather the necessary information needed to file a water damage insurance claim. This information may include, but isn't limited to:

  • Date of water damage 
  • Location of damage 
  • Contact information for the property owner 
  • Your personal contact information, if you're not the property owner 
  • Cleanup and remediation estimates Receipts for all cleanup, repairs and other related costs 
  • Receipts for lodging and meals if you had to leave your home before or during cleanup and repair

How Do I Know What My Insurance Will Cover?

Go over your homeowners or renter’s insurance policy. If you cannot find this paperwork or it was damaged during the flood, your insurance company or agent can provide you another copy. Pay special attention to the declarations page! It will give you important information regarding your particular policy’s water damage coverage, deductibles, limitations and exclusions. Make sure you are also aware of any claim filing deadlines.

The average homeowners insurance policy doesn't cover floods and might not cover other types of water damage either. If you planned ahead and purchased a separate flood insurance policy, you may also be covered for water damage caused by a broken pipe, sewer backup or failed drainage tiles. It's important to know exactly what your homeowner's insurance policy does and doesn't cover regarding water damage, so always check your policy first.

When you experience water damage or severe flooding, you need help – fast. That’s why ServiceMaster Grand Rapids has technicians on call 24/7 to help you need when you need it most. Call us right away at (616) 988-4357.

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