Water damage in your home can be a disaster. A small leak can turn into a much bigger problem if you don’t catch it soon enough. And once you realize that you need to make repairs, it could cost you a lot of money to fix. Hopefully, you have an insurance policy that will cover anything you need to do. But making a claim from your insurance provider isn’t always easy. If you notice water damage in your home, use this step-by-step guide to contacting your insurance company. You could gain a settlement for the cost of the repair and replacement of anything that was damaged.

Prevent Further Damage

The first thing you should do when you notice water damage, whether it’s from a leaking pipe or inadequately sealed window, is to stop any further damage from happening. Many home insurance policies will state that you must take reasonable action to stop your home from being ruined further. This includes things such as turning off the mains water or fixing a leaky faucet. Call a plumber to fix anything that can be repaired immediately. You should also keep anything that caused the damage as evidence for your claim.


Check Your Insurance Cover

Before filing a claim, you need to check what your insurance covers. You might find that while your policy will pay out for a leaky pipe, it may not be suitable for damage caused by flooding, snow or other weather conditions. For this type of claim, you will probably need to have a separate insurance policy for flooding and natural disasters.

Gather Evidence of the Damage

In order to properly make a claim, you need to have adequate evidence of the damage to your home and what caused it. You should make a list of anything that was damaged, whether it’s the walls and carpets or your possessions. If something in your home caused the damage, such as a leaking washing machine, it would often be your responsibility to replace it. Taking photos of the damage is also a good idea, so you have physical evidence of it.

File a Claim

Your next step is to contact your insurance company and file a claim. Some companies might allow you to begin filing online, but they will probably call you to discuss the details. Otherwise, you can call them to start giving them the information about your claim. Your insurance agent will take a statement from you and check your coverage to ensure that you can make a claim. They can tell you what you need to send in, confirm your deductible and give you an application number.

Get an Estimate

Next you need to get a contractor from somewhere such as WaterDamageMinneapolis.net to get an estimate for repairs. The contractor will send the estimate to your claims advisor while it’s your job to send evidence of damaged property. Once the insurance company has given you the go ahead, you can have your contractor start work.

If you notice water damage in your home, file your claim with your insurer as soon as possible. It could take a while to process, so don’t leave it too long.