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Frequently Asked Questions – Filing a Claim
Step-by-step guide to filing an insurance claim for water damage.
- How do I file a water‑damage insurance claim?
- To file a claim, first call your insurance company's 24/7 claims hotline as soon as possible after the incident. You will be assigned a claim number and an adjuster. Provide them with the photos and videos you took documenting the damage. Take steps to mitigate further damage, as your policy requires you to do so; keep all receipts for any emergency services you hire, like a plumber or restoration company. The adjuster will likely schedule a visit to inspect the damage. Cooperate fully with them and your restoration contractor to create a detailed scope of work for the repairs.
- What documentation does my insurer need for a claim?
- The more documentation you can provide, the smoother your claim process will be. Start with extensive photos and videos of the damage from every angle before anything is moved or cleaned up. Create an itemized list of all damaged property, including personal belongings and structural materials. If you have them, find receipts for high-value items to prove their worth. Keep detailed records of every conversation you have with your insurance company, and save all receipts for any emergency repairs or additional living expenses you incur.
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