How to Get the Most Out of Your Water Damage Claim

August 31, 2020

After water has damaged your home and potentially lowered its value, you’re now hoping that your insurance claim will cover the repairs. However, before contacting your insurance company, it’s important to know exactly what you’re insured for. This will help you prepare for the inspection and eliminate the possibility of surprises.

Admittedly, water damage claims can be complicated and confusing. For this reason, having pre-eminent Riverside water damage and restoration experts by your side clearing things up will go a long way in maximizing your claim. Stay tuned and find out just how to proceed with your water damage claim.

How can I maximize my water damage claim?

In order to get more bang for your buck when filing your water damage claim, there are a few crucial details to consider:

What does homeowners insurance cover?

Top-notch Riverside water damage and restorationAs you probably know, not every homeowners insurance will get you the same coverage. It all depends on whether the damage was sudden or gradual, its source, as well as the type of your policy. For instance, the coverage under HO-1, HO-2 or HO-8 policies is rather limited.

Conversely, the scope of an HO-3 policy is much broader, and you can expect a granted water damage claim in the following situations:

  • Damage caused by heavy rain, snow, ice or sleet
  • Plumbing problems, such as faulty plumbing, accidental overflowing, or freezing of plumbing or pipes 
  • A leaky roof
  • Faulty household appliances
  • Sudden and accidental cracking, burning or tearing apart of a hot water heating system, an automatic fire protection sprinkler system etc.

Taking this into consideration, the source of your water damage might be the crucial aspect of your claim. This brings us to the next step you should take so as to maximize the possibility of getting your claim granted, which is contacting your dependable plumbing experts before reaching out to your insurance company.

Why should I call professional plumbers first?

Recently, insurance companies have turned their attention to reducing costs and lowering claim approvals and payouts. As a result, they have compiled a long list of loaded questions they ask their clients with every reported claim, thus leading to the applicant being unwilling to go ahead with their claim or even provide the necessary details.

To avoid such a scenario, always make sure to give your water damage restoration provider a call prior to getting in touch with your insurance company. They’ll be able to tell you the exact cause of your water damage and even negotiate the claim on your behalf. This will prevent insurance companies from taking advantage of you.How can I maximize my water damage claim

Additionally, you should hire a team of plumbers to limit the damage as soon as possible. If you don’t protect your property, your insurance company may deny your claim, stating that you should have taken action to prevent further damage. Therefore, instead of trying to dry out water damage by yourself, or restoring laminate on your own, get a professional to take care of the job for you.

Top-notch Riverside water damage and restoration services are available 24/7

No matter what time of the day it is, EHS is always ready to respond to your emergency. Reach out to us so that you don’t have to deal with potentially hazardous and contaminated water and risk your well being in the process. Our plumbers are true-and-tried in their trade, and you can be absolutely sure that they will restore your home to mint condition.

EHS provides the most exhaustive services near Mount Rubidoux and beyond. Give us a call and your water-related troubles will be gone. Book now!