Remember These 4 Things When Filing a Water Damage Claim
Filing a Water Damage Claim
If bursting pipes have created damage in your Tuckasegee, NC, home then you'll want to get compensation from your insurance company. After all, that's why you make those monthly premium payments. Here are some things to keep in mind when filing a claim.
1. Study Your Policy To Know What It Covers
Different insurance policies reimburse you for different types of damage, so the first thing you should do is read your insurance policy carefully to see what's covered. It's important to know what you're entitled to before you call the insurance company.
2. Contact Your Insurance Agent
When bursting pipes damage your home, let your insurance agent know as quickly as possible. You'll also need to save all receipts whenever you hire someone to fix a broken pipe or do other repairs on your home. Contact restoration specialists to repair any flooding damage and prevent the growth of mold. Document all of the work done.
3. Realize That Claims for Gradual Water Damage Are Often Denied
Damage to your home from bursting pipes is typically noticed right away and files are claimed. However, slow leaks from old pipes or cracks in the basement can bring on gradual damage. As a homeowner, it's your responsibility to maintain your home. If the harm is due to your neglect, the insurance company will likely deny your claim. Talk with your agent to see what is covered.
4. If Your Claim is Denied, Contact Your State Insurance Board
If your insurance company denies your claim and you feel you are entitled to be reimbursed, contact the state insurance board. They may be able to remediate the situation.
Damage to your home from a flood can be devastating, but by filing a claim and contacting the professionals as well as documenting everything, you can restore your home.