How to file insurance claims

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How To File Insurance Claim For Water Damage

Page Overview


What To Do Immediately?

The Claim Process

How Much Do Claim Costs?



What To Do Immediately, Here Are Tips To Consider

1. Don't throw away anything:

  • Keep everything secured and away from further harm. Document with photos the items, structures in the home, or anything else valuable that may be compromised.
  • Keep track of the receipts, credit card statements and bank statements to prove the value of these belongings.
  • 2. Don't start repairing the damage yourself:

2. Don't start repairing the damage yourself:

  • Document and take photos of the damage first and access what needs to be looked at. If water levels are only a few inches then you shouldn't have much to worry about. Unless no immediate action is taken by removing the water as soon as possible to prevent mold, you can develop a case where insurance will not cover your claim.

3. Call your insurance agent immediately:

  • Once you documented all the photos its best to call your agent of main insurance claim line to report the water damage.
  • Go over your insurance policy regardless if the damage is from sewer backup, storm related, burst pipe, or toilet overflow.
  • They may ask you to make a detailed list of the items damaged.

4. For moderate to severe water damage its best to call a restoration company and set an appointment promptly:

  • Insurance companies may say to wait for the adjustor to come out and inspect the damage. This can take 1 to 3 days.
  • In the meantime its best to have the restoration company inspect the flooded area to get a proper diagnosis of the remediation plan.
  • Restoration companies can go over your policy with you to see if the damage at hand will be covered.
  • Beware most companies tend to overpromise and remove fake damage without most homeowners knowing.
  • For homeowners it is important to request documentation for anything damaged in the house that the restoration company says needs fixed.

The Claims Process

1. The claims process:

  • The claims process:
  • From here on they have 15 days to approve or reject your claim based on the evidence.
  • Once approved they will notify you and provide a "actual cash value" or "replacement cost" coverage for the damage.
  • You as the homeowner will be responsible to pay for the deductible out of pocket.
  • Lastly they give you the option to select a contractor or they can provide one for you based on their vendors list.

2. If your claim was denied:

  • First its always best to have representation from a reputable restoration company on your side as an advocate.
  • Review the reasons for the denial with a reputable insurance company and have them assess the damage.
  • Appeal for a second claim with the restoration company talking for you on your behalf.
  • Also consider hiring a 3rd party independent adjustor for meeting with the insurance company.



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