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Fire & Water - Cleanup & Restoration

5 Simple Steps That Make Filing Insurance Claims Easier

10/12/2020 (Permalink)

Air mover next to a flood cut and plumbing system Water cleanup services

5 Simple Steps That Make Filing Insurance Claims Easier

Sudden bursting pipes mean a host of problems. Your home is now drenched in water, belongings are dripping wet and your patience is tested. Without a doubt, it's a trying time both physically and mentally. Homeowners in Monument, CO, may find some relief in realizing that insurance could assist in the repairs. But, if you've never made a claim before, that may seem like a daunting task. It doesn't need to be. The process requires residents to establish consistent contact and thorough documentation. Follow the steps below to help make this part of your endeavor a bit smoother.

1. Make Immediate Repairs
Do you have to wait for the insurer's permission to fix broken pipelines? Simply put, no. In fact, the agency wants to minimize the harm to your premises, keeping costs low. Begin working with plumbers or water restoration companies to correct the piping concerns.

2. Initiate a Claim
With the bursting pipes back to normal, pick up the phone and call your insurance company. Request to open a claim about the incident. Understand your policy deductibles and limits. During the conversation, take down the agent's name and your claim number. You'll be dealing with this person for quite a bit. Find out the best connections for future contact.

3. Photograph the Damage
During the entire process, snap images. Video also works well too, especially if you can time stamp it. Capture every bit of destruction or concern. This evidence can be used to support your efforts. Send this to your representative.

4. Save Receipts
Most likely your policy covered physical water damage and personal property loss. That is often two separate checks. As you replace valuables or complete cleanup projects, scan your receipts. Email them to your insurance contact.

5. Meet With the Adjuster
The agency has to send someone to inspect the premises. This person's determination can be compared to your documentation and other job estimates. Walk the professional around. Have a list of things to show and note.
Bursting pipes is a headache, but your insurance claim doesn't have to be. Be persistent, methodical, and organized.

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