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Fire & Water - Cleanup & Restoration

4 Essential Steps to Take When Filing a Water Damage Insurance Claim

5/10/2022 (Permalink)

4 Essential Steps to Take When Filing a Water Damage Insurance Claim

Dealing with water damage in your Maple Grove, MN home is hard enough without adding insurance policies. Unfortunately, filing an insurance claim is an essential task for avoiding monetary loss. In order to make it easier, here are four essential steps to take when you're filing a water damage claim.

1. Contact Your Insurance Providers
Ignoring the existence of your insurance company can sound tempting. However, you must stay in contact at all times. First, make sure you understand your policy completely. Call the organization if you have any questions, no matter how minor. These are some possible queries to bring up:

  • What's the timeline for filing an insurance claim?
  • What are the mandatory steps to take?
  • Will my damage be covered?

Next, make sure that your providers are taking the right steps. If you experience any problems, now isn't the time to let anything slide.

2. Document Damages
In order to prove the need for monetary reimbursement, you'll require proof. Specifically, every spot in your home that's damaged must be documented. Take photos of items with visible flood damage. When an adjuster comes, be sure the individual inspects every problematic area. This can protect you from any claims of fraud or denials of your predicament.

3. Keep Monetary Records
Another important step in getting reimbursed is documenting your financial losses. Any money spent on remediation experts and replacements should be written down and presented to your providers. If there's a way to get proof of purchase, do so.

4. Fill Out Necessary Forms
Paperwork isn't exciting, but it's vital to fill it out as quickly as possible. The sooner you get your claim done the sooner you can recover after, for instance, a pipe burst. Make sure that you fill out each form with complete accuracy.
Filing an insurance claim, while daunting, may save you a substantial amount of money. If you stay thorough at every step, your home may be back to normal in no time.

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