The short answer
Immediate Steps After Water Damage
Safety comes first. Turn off electricity to the affected area if it is safe to do so. Stop the water flow by locating your main shutoff valve. Protect your furniture by moving items away from wet areas or placing aluminum foil under furniture legs to prevent stains on carpets.
Act quickly to limit further damage. Remove as much standing water as you can with towels or a wet-dry vacuum. If you have a broken pipe, a plumber may be needed for a permanent fix. Document the scene thoroughly with your phone or camera before you move anything. This helps create a clear record for your insurance claim.
How to Report Your Claim
Call the customer service number on your insurance policy or access your account online. Have your policy number ready. The insurer will ask for the date of loss, the cause, and an initial description of the damage. They will assign you a claim number and an adjuster who will contact you later.
Be prepared to answer many questions. The adjuster will want to know the source of the water, the rooms affected, and what you have done so far. Keep all receipts for any supplies you buy for cleanup or for temporary repairs. Good documentation is key for a smooth claims process.
Working with the Insurance Adjuster
The adjuster will schedule a time to inspect the damage in your home. Walk through the property with them and point out all affected areas. Show them your photos and videos, and provide your list of damaged belongings. Be honest and thorough about the extent of the water intrusion.
The adjuster's job is to assess the loss and estimate the cost of repairs. They will write a report for the insurance company detailing what they believe is covered. You receive a copy of this estimate. Review it carefully to ensure it matches your own documentation. If there are discrepancies, discuss them with the adjuster.
Understanding Your Policy Coverage
Not all water damage is covered. Sudden, accidental events like a burst pipe are often covered. Damage from a lack of maintenance or ongoing seepage typically is not. Check your policy's declarations page for specific coverage types and your deductible amount. Policies vary, and your insurer decides what is covered.
Flood damage is almost always excluded from standard homeowners policies. It requires a separate policy from the National Flood Insurance Program. Knowing your policy's specific limits for flood and water backup is crucial. Always clarify any coverage questions directly with your insurance agent.
- Sudden, internal leaks (e.g., burst washing machine hose).
- Accidental overflow from an appliance.
- Storm-related roof leaks (if roof was in good repair).
- Water damage from putting out a fire.
- Sewer or drain backup (if you have an endorsement).
- Gradual leaks or seepage from poor maintenance.
Coordinating Repairs After Claim Approval
Once your claim is approved, you can hire local water damage pros to begin the restoration. The insurance company may issue a payment, often in installments. You are responsible for paying your deductible. Get a detailed scope of work and estimate from the pros before they start.
Keep all communication with your insurer and the pros in writing. The restoration process often involves water extraction, drying, cleaning, and rebuilding. The pros will handle the technical work, but you should monitor progress. Final payments from your insurer may come after the work is completed and invoiced.
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Call Now (410) 237-0394Frequently asked questions
How long do I have to file a water damage claim?
Most policies require you to report damage promptly, often within a few days of discovery. Check your specific policy for a notification period. Delaying can complicate the process. It is best to contact your insurer as soon as the water is stopped and damage is documented.
Should I start cleaning up before the insurance adjuster visits?
Yes, you should take reasonable steps to prevent further damage. This is known as 'mitigating your loss.' Remove water, move belongings, and make temporary repairs. Take extensive photos and videos before you start. Keep all receipts, as these mitigation costs are often reimbursable under your policy.
What if my claim is denied or underpaid?
First, ask your insurer for a detailed explanation in writing. Review your policy to understand the denial reason. You can appeal the decision with additional documentation or get a second opinion from another contractor. For complex disputes, consider contacting your state's department of insurance or consulting a qualified attorney.
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