Kitchen Water Damage Insurance Claim – Dealing with a disaster in your home is overwhelming. When your home is damaged by water, fire, mold or vibration, you may have a million questions running through your head and wondering how to proceed:
First and foremost, you should know that there are specialized companies that can help you through the entire process – disaster relief companies, whose job is not only to clean up the damage, but also to collect evidence, work with insurance, fight. Get your claim paid, and some can even help you rebuild.
Kitchen Water Damage Insurance Claim
Dealing with a disaster – and the insurance company – is a process. You have a specific order to follow before moving on to the next step, evidence to gather, people to meet and so on. Here’s an overview of what you might experience in a disaster insurance claim.
Claiming On Your House Insurance For A Water Leak
If you experience a disaster in your home, the first thing you should do is respond to any emergency. This may include:
Your first thoughts may go to your home and your possessions, but those things can wait. Respond first to all emergencies.
Once the emergency is under control, it’s time to step back and assess the overall situation—but safety is still your top concern. Do not re-enter your home if it is unsafe to do so; Find a place to stay when it is safe to handle these steps.
When assessing damage, you want to get a general idea of what happened and what was damaged. The disaster relief company and your insurance will do a more thorough assessment of the damage later. However, some basic observations will help you better communicate what happened to the disaster relief company.
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A quick assessment will help you understand what you are dealing with and better communicate it to the disaster relief company as a next step.
During the damage assessment you can take photos to help prove your disaster and get your claim paid – but the disaster relief team will take plenty of photos of the damage and the cleanup process, so if you don’t have a camera. Or have the phone in hand, that doesn’t matter either.
Do not start cleaning while assessing the damage. One mistake homeowners make is that they often start cleaning up the disaster – for example, they may vacuum the pool water thinking that will help the situation. However, the insurance company requires detailed and documented evidence of the disaster, so cleaning without documenting the proper evidence can damage your claim (or even deny it).
Homeowners usually call their insurance immediately when a disaster occurs. While it’s important to call insurance in a timely manner, there are few better reasons than calling your local damage or casualty company.
Nasty Water Damage Loss; Insurance Claim
For one, in some cases you may decide not to go through your insurance – and how will you know until the damage is assessed? Some insurances have high deductibles, and if the damage is under that amount, it makes sense to avoid the claim on your record. If you’ve filed claims in the past, you may be worried about your rate going up or worse — canceling your policy. Again, your disaster relief company can assess the damage and advise you on whether you should proceed with insurance.
Another reason to call a disaster relief company first is that they will pretty much handle everything for you. After the initial assessment and advice on whether you should use your insurance, the only thing you need to do is call the claim. From there, the disaster relief company will clean up the disaster, gather evidence, get estimates, deal with the insurance adjuster, negotiate to get you the most claim money, and then help you rebuild, renovate or improve your home. Calling the disaster relief company first is a great way to take the stress out of this difficult situation.
The last and perhaps most important reason to call your local casualty/casualty company first is that the insurance company will try to pressure you into using their ‘preferred provider’. By law, it is your right to choose your own disaster relief. company! However, insurance will try to pressure you into choosing one of their preferred providers and it is usually not in your best interest to go with them. Here’s why:
You have the right to research and choose the disaster relief company that you think is best. To find a disaster relief company, you can search Google for ‘replacement company’ and then your location (city or state). You can also search for your specific disaster – for example ‘water damage company’ and then your location.
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Your disaster relief team should be at your location quickly – for example, New Life Restoration serves a 100 mile radius from our office and we try to arrive at your home within 90 minutes depending on where you live and driving time. Therefore, it makes sense to contact the disaster relief team and get an idea of the extent of the damage before calling your insurance.
When calling your insurance, the first question many homeowners have is, “Am I covered for this?” It is difficult to give a straight answer to this question because insurance policies vary widely. Most policies cover you for water damage inside the home (for example, a burst pipe) or accidental fire, but many do not cover you for flood (water damage from an outside source such as a river), mold or wear and tear. and tear problems (for example, if you haven’t maintained your roof). What you are covered for depends on the details of your policy. If you have a good insurance agent, they should understand your policy and tell you if you are covered. Whether you are covered also depends on the source and cause of the damage as determined by the insurance adjuster.
One last thing that homeowners wonder about insurance is how much of their disaster is covered. This is determined based on evidence of goods, estimates, pricing and depreciation. On the one hand, you can say that most insurance policies cover the damage. However, that is not the same thing as a 100 percent refund.
For example, if your kitchen cabinets go down in a fire, insurance will cover them, but they’ll negotiate a cost based on how much the cabinets are worth and how long you’ve had them (depreciation) – meaning even if you’re covered, you’ll have to replace them completely. Do not get 100 percent of the cabinet cost (you may get 50 percent or 75 percent instead).
Disaster Restoration Blog
This is the most important reason why you need to choose your own disaster relief company. This is the most important reason to not rely on the insurance company’s ‘preferred provider’. The right disaster relief company (like New Life Restoration!) will be your advocate during the claims process and help. You recover as much as possible from your insurance money.
This step will be handled by your disaster relief company. Some work will be done as soon as they arrive at the scene to minimize further damage.
For example, if you have broken windows, board them up and if there is a hole in the roof, patch it up. This prevents further damage including theft or water damage from rain. In case of water damage, it is also important to start the drying process immediately. Mold can grow within 72 hours of a water damage event and this will most likely not be covered by insurance, so cleaning up the water will be a top concern for the disaster relief team.
Some homeowners think they can save some money by doing the cleaning themselves. This is an assumption—which can be wrong—and expensive. There is a scientific procedure for cleaning disasters like water, fire, mold and shock. Improper cleaning can cause the damage to spread and require more expensive cleaning later. Choose a disaster relief company you trust and let them perform the proper procedures to clean and restore your home.
Got Water Damage? Call Us!
Again, this is a move for the disaster relief company. At New Life Restoration, we’ve worked on countless disasters of all types, so we know exactly what evidence insurance companies are looking for—evidence that can help you get the most out of your insurance claims.
For example, something as simple as pictures is actually more complicated than you think. In the case of water damage, the insurance company needs various photos documenting the entire process. This includes before photos showing standing water, soaked carpets, etc. A picture of carpet lifted up with padding, picture, during photos showing the damage being cleaned
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