According to ISO, water damage is one of the most common causes of home insurance claims and is the second-largest insurance claim. But did you know that water damages affect 1 in 50 homeowners annually? Many homeowners have questions about water damage, including what their responsibilities are. As Water Damage Restoration Experts, we understand the complexities of water damage and dealing with insurance companies. Do you have water damage in your home or business? Call our Water Damage Restoration Experts at 866-955-2838
In this article, we cover things to consider when making a water damage claim.
What is the Homeowner’s Responsibility When Filing a Water Damage Claim?
When water damage has affected a home, many homeowners believe that collecting estimates for their insurance carrier is the homeowner’s responsibility. However, this is not accurate. So what is the homeowner’s responsibility when filing a water damage claim?
As an insured homeowner, it is your responsibility to prevent further damage to the affected area. For example, if there is interior flooding due to water damage, it must be extracted and dried quickly to prevent moisture from expanding to other spaces. If this flooded area isn’t dried immediately, mold and fungal growth will begin to form. In addition, if the roof was compromised, a tarp must be adequately secured before the next rain.
Can My Claim be Denied?
Did you know that your claim can be denied if you wait too long and take no action without these precautions? Insurance companies often change their policies, and not taking the proper steps to file an insurance claim could result in a water damage claim denial. If you have mold coverage, you will also want to move promptly when filing a claim.
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Should I Clean the Water Damage Myself?
Maybe you are the kind of person that acts quickly and decides to clean up the water yourself. However, as Water Damage Restoration Experts, we caution you to be careful. There are three main categories of water types resulting from water damage, and the third category poses the highest risk of exposing you to becoming dangerously sick. The water source determines the categories, the amount of time the water has been standing, and if the water has soaked through contaminated materials to another location.
Cleaning up contaminated water may result in exposure to bacteria, fungi, mold, and viruses. Water contamination happens when water seeps through floors, carpets, areas where pets are, and living areas. This flooded water can include many types of microbes, which can cause diseases.
How Can I get My Water Damage Claim Approved?
There is no guarantee that your water damage claim will be approved by the insurance company. However, we recommend calling trained, licensed, and equipped Water Damage Restoration Experts if you have water damage. By working with these specialists, you will have the proper water damage cleanup, in addition to the appropriate documentation needed to improve the chances of having your insurance claim approved. In addition, our Water Damage Restoration Experts are IICRC certified and have the adequate tools to measure saturation and humidity. Our specialists work with adjusters to determine the scope of work, safety protocol, and coverage losses.
We understand that suffering water damage in your home or business causes stress and disrupts your everyday life. So call our North Georgia Water Damage Restoration Experts today for immediate assistance with your water damage claim. You deserve to get your home back to pre-loss condition, and we are happy to help! Speak to a Water Damage Expert Now about your Water Damage Claim.
