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Fire & Water - Cleanup & Restoration

How To Make a Successful Water Damage Insurance Claim

4/7/2021 (Permalink)

empty bedroom the floor is wet, wooden planks are on the floor. Concept of water damage in a bedroom Water damage in a bedroom.

Water Losses Can Cause Major Damage To Your Home

Approximately one out of every 50 homeowners make a water damage insurance claim each year. This makes water losses the second most common cause of insurance claims, behind only hail and wind disasters. There are several different types of water losses, including:

  • Bursting pipes
  • Overflows
  • Floods
  • Sewer backup
  • Storm damage

Making a Claim
After a water loss, you should hire emergency restoration professionals who can fix broken pipes or appliances. This type of cleanup is often covered by insurance. However, insurance providers may deny your claim.
There are several things you can do to ensure your claim is accepted. First, you should read your policy carefully and make sure you understand what is and is not included. If certain losses are not covered under your policy, you may want to purchase excess insurance. For instance, those who live in areas with heavy rain should buy separate flood coverage.
You should also regularly check your appliances and plumbing systems for potential problems. While insurers usually cover sudden emergencies such as bursting pipes, they do not cover losses that result from longstanding leaks or corrosion.

Challenging a Denial
If your insurance claim is denied, you do not have to just accept the insurer's ruling. Find out exactly why your loss was exempted from coverage. You should also ask whether it was the insurance adjuster or the agent who made the final call on the matter. You can even ask your representative for a second opinion.
If you believe coverage was wrongly denied, contact a consumer advocacy group in your area. You can also file a complaint through your state's insurance commissioner.
Bursting pipes and other water losses can cause incredible damage to your Topeka, KS, home. While insurance can help you pay for the repairs, insurers are not afraid to deny homeowners' claims. To stop this from happening, you should buy the correct insurance for your needs and perform as much preventative maintenance as you can.

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