So you have experienced water damage in your home, a sewage back up, a burst pipe, maybe even a leak from the roof. The question is what do I do now? Well, this is where insurance claims come into play. Experiencing damage to your home can be overwhelming enough, so here are some simple steps to help you file your water damage claim.

Take all necessary steps to stop water flow

Yes, this may seem like the first logical step, but people often do not realize that insurance companies may deem negligence on your part – such as just letting your toilet overflow for a couple days. If it is possible to stop further damage in your home (such as calling a plumber), make sure this is taken care of first. Keep all receipts and reports you may get.

Check your insurance policy

Many home owners are unaware that water damage due to flooding or seepage is not covered by home insurance. Check your policy to see if your situation is covered. If you are unsure of whether or not your water damage is covered, call your insurance company. They will be more than happy to inform you about your coverage.

Document everything

Isn’t this what adjustors are for? Well yes, but doing your own due diligence can assist your claim. Document your losses / damages – this shows the state of your home and/or belongings right after the water damage, just in case repairs get started before your adjustor comes by. Taking pictures is an excellent way to cover all your bases.

Call your Insurance company and file a claim

Home owners should all have documentation provided by the home insurance company that includes your deductible amount and policy number. Knowing your deductible amount can help you determine whether going through your home insurance is the right option. Once you have decided that you will be filing a claim, have your policy number handy. If you cannot find this information, insurance companies are typically very helpful in providing you with it. Having your policy number ready can save you hours on the phone.

Patience is a Virtue

Understand that the claim process is not something that will magically happen overnight. It may take your adjustor a couple days to assign a claim number (if your damage is covered). With this claim number you can now start hiring the appropriate companies to clean up and repair the damage. If you would like the contact information for your assigned adjustor – call your insurance company. They will provide your adjustors phone number, email address and first and last name. Restoration companies will require this information.

*Did you know that not informing your insurance broker of the following can void your home insurance?

When you leave your home unoccupied? Some insurance companies require notice even after leaving your home unattended for 24 hours. Call your insurance company and find out!

When you are completing substantial renovations. Some insurance companies will require you to inform them about any renovations.

When you start a home business.

The expert Calgary water damage team from Phoenix is experienced in handling water damage claims. Please do not hesitate to contact us if you need help navigating the murky waters of insurance claims and to restore your home to its original state.

Email  :[email protected]

Website: http://phoenixfirst.ca

Phone  : 1 (844) 903 3737