What You Should Know About Filing an Insurance Claim for Water Damage
What You Should Know About Filing An Insurance Claim For Water Damage
There are a lot of unexpected expenses in life. You try to roll with them as much as you can and juggle between bank accounts, credit cards or personal loans. If bursting pipes disrupt your life, you may panic about the costs, so take a look at these guidelines to help you make your way through the murky water of insurance coverage in Athens, TX.
What You Should Do Before Filing
- Fix broken pipe
- Make sure to remove items from the wet area to avoid further damage
- Properly record proof of the water damage
- Read through your insurance policy
- Inventory any possessions that were damaged by the bursting pipes
What You Must Not Do Before Filing
- Dispose of anything that could be used as evidence in a claim
- Make permanent repairs without insurance company’s approval
Filing Your Claim
File your insurance claim as soon as you gather your evidence. It may take a couple of days to hear back from your adjuster. If you are not happy with the results you can hire a public adjuster, who may give you a better shot at getting coverage, as he does not work for the insurance company.
Types of Coverage
Your coverage amount may depend on what type of policy you have. There are two main categories. The first is a replacement cost policy, where the rebuild or repair cost of your home is repaid after you pay your deductible.
The second type is an actual cash value coverage policy where you will be reimbursed for whatever the repair and restoration costs are, minus any depreciation. The payment may not be enough to cover all costs and you may end up with a good share of it yourself.
Get the Right Help
Most insurance companies prefer that you have the work done by a professional company, not your helpful neighbor, Fred. When you need some help putting things back together after bursting pipes cause damage, Call a professional water damage restoration company in Athens, TX to do the job right. It will soften the blow of a difficult situation.