How To File An Insurance Claim For Water Damage Restoration
Water damage can be a stressful experience for homeowners and business owners alike. Understanding how to file an insurance claim for water damage restoration can help you navigate the process efficiently and get the coverage you deserve. Our 911 Restoration of Bakersfield experts are here to guide you through every step.
Does Homeowners Insurance Cover Water Damage?
Not all water damage is covered by insurance. Policies typically cover sudden and accidental water damage, but they may not cover issues caused by neglect or lack of maintenance.
Common Types Of Covered Water Damage:
- Burst pipes
- Water heater leaks
- Storm-related water intrusion
- Sudden appliance malfunctions
What’s Usually Not Covered?
- Gradual leaks from plumbing issues
- Mold or rot from long-term moisture exposure
- Flood damage (typically requires separate flood insurance)
Step-by-Step Guide To Filing a Water Damage Insurance Claim
1. Act Quickly & Stop Further Damage
- Shut off the water source if possible.
- Move valuables and furniture away from the affected area.
- Contact a professional water damage restoration company like 911 Restoration to begin mitigation.
2. Review Your Insurance Policy
- Check your homeowner’s or commercial property insurance policy to understand coverage details.
- Look for clauses related to water damage restoration and claim filing procedures.
3. Document The Damage
- Take photos and videos of all affected areas, including walls, floors, ceilings, and damaged belongings.
- Keep a written inventory of damaged items, including their estimated value.
4. Contact Your Insurance Provider
- Call your insurance company’s claims department as soon as possible.
- Provide them with detailed information about the incident, including the cause and extent of the damage.
- Ask about claim deadlines, deductibles, and any required documentation.
5. Work With An Adjuster
- Your insurance company will send an adjuster to assess the damage.
- Be present during the inspection to ensure all damage is properly documented.
- Provide the adjuster with your photos, videos, and damage inventory.
6. Get a Professional Restoration Estimate
- 911 Restoration of Bakersfield can provide a detailed assessment and estimate for repairs.
- Many insurance companies require a licensed restoration company to provide a damage report.
7. Begin The Restoration Process
- Once approved, start the water damage restoration process immediately.
- Keep all receipts and invoices related to repairs, temporary lodging, or property restoration for reimbursement.
8. Follow Up On Your Claim
- Stay in contact with your insurance provider for updates.
- If your claim is delayed or denied, ask for clarification and consider seeking professional assistance.
Tips For a Smooth Insurance Claim Process
- Act fast – Most policies require immediate action to prevent further damage.
- Keep records – Maintain copies of all communication, reports, and repair invoices.
- Hire a professional – Working with a trusted restoration company ensures accurate documentation and faster approvals.
Water Damage Restoration From 911 Restoration Of Bakersfield
Our team has extensive experience working with insurance companies and can help streamline the claims process. If you’re dealing with water damage, contact 911 Restoration of Bakersfield for immediate assistance and a FREE visual inspection.
