Facing water damage in your home can be overwhelming, especially when you’re unsure if insurance will cover the costs. At PureDry, we understand the stress this situation can bring, and we’re here to guide you through the process.
Navigating insurance claims for water damage can be complex; but with the right approach and assistance, you can secure the coverage you need to restore your home. Keep reading to learn more about the steps involved in getting insurance to pay for water damage and how PureDry can help you through this challenging time.
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Find the Source of the Water Damage
When dealing with water damage, you must quickly locate and address the water’s source to prevent further damage. Start by shutting off the main valve or individual supply valves.
Consider investing in water leak detection systems and automatic shutoff valves to mitigate risks and potentially qualify for insurance discounts. If you can’t handle the situation safely, seek professional assistance promptly.
How to Make a Successful Water Leak Insurance Claim
Water damage claims are prevalent, constituting nearly one in four home insurance claims in 2018. That’s more losses than those from fires and hurricanes between 2014 and 2016. However, not all water damage is covered by standard homeowner’s policies.
Insurance typically covers sudden or accidental water damage, excluding instances of neglect or gradual damage. Here’s what you need to know to make a successful water leak insurance claim.
Covered Water Damage Scenarios
- Sudden, accidental plumbing or appliance issues
- Frozen, burst pipes
- Leaking roof
- Ice dams
- Vandalism
Exclusions from Coverage
- Negligence, such as lack of maintenance or repairs
- Gradual damage over time, including slow leaks or deteriorating plumbing
- Flood damage from natural disasters created the need for separate flood insurance
- Sewage backup, requiring additional coverage
- Earth movement, like landslides or soil erosion, may not be covered in certain areas
To ensure adequate coverage, review your policy carefully and discuss any concerns with your insurance agent. Understanding policy limitations empowers you to take proactive measures to protect your property and minimize the risk of encountering uncovered water damage situations.
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Call Insurance Company for Water Damage Claim
When dealing with water damage, swift action is essential to prevent mold and mildew growth, which can set in just 24 to 48 hours after exposure. Don’t delay in contacting your insurance company; most carriers offer 24/7 hotlines to assist with claims and advise on cleanup procedures.
Remember to follow up with your insurance agent during business hours if they’re not available when the claim arises. Your agent is your advocate and should make sure you receive a timely and satisfactory response from the insurance carrier. Working with an independent agent can be particularly beneficial for negotiating settlements and navigating the claims process.
Understanding the Water Damage Insurance Claim
Navigating a water damage insurance claim can be complex, but understanding the process is key to a successful outcome. Here are five steps to guide you through the process.
Step 1: Document the Damage
Take photos of the damaged area and any affected possessions. Maintain your documentation in case you part ways with your restoration company later.
Step 2: Meet with Your Adjuster
The insurance company will send an adjuster to evaluate the damage, estimate repair costs, and determine fault. Remember, insurance is intended for accidents. Your agent will help advocate for you.
Step 3: Understand Your Loss Settlement
The adjuster will provide a written estimate based on actual cash value (ACV), which accounts for depreciation. Insurance companies may offer a depreciation holdback, requiring proof of repairs and payment of your deductible.
Step 4: Meet with Several Contractors
Interview multiple contractors to make sure they’re licensed and insured. Compare quotes against the settlement figure to identify the best partner for your repair needs.
Step 5: Negotiate the Settlement
For larger projects, negotiation may be necessary to align the adjuster and contractor. Your independent insurance agent can assist in the negotiation process and help address any discrepancies.
While insurance may not cover upgrades, you can use the opportunity to update damaged areas at your expense. Honest communication with your adjuster and contractor is crucial for achieving your desired outcome.
Call the Professionals
Facing water damage in your home demands swift action to restore affected areas and minimize further damage. At Pure Dry, we offer comprehensive floodwater removal services designed to address all vulnerable areas. Here’s why you should choose us:
24/7 Availability: We’re available round-the-clock to respond promptly to flood water emergencies.
Professional Services: Our experienced team is trained to handle floodwater removal and restoration with expertise.
Areas Covered: From basements to attics, walls, floors, and HVAC systems, we address flood damage in all areas of your property.
Thorough Restoration: We ensure thorough cleanup and restoration to minimize the long-term impact of flood water damage.
Call our team today to book the services you need.
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PureDry
Services
We handle everything from water damage restoration to mold removal and fire damage restoration.
After a residential fire, you will be pleased to have PureDry on your side. We are certified for fire damage restoration in Seattle, with experienced team members and state-of-the-art equipment.
When disaster strikes, rely on PureDry for commercial fire damage restoration to clear and restore your property of any smoke and fire damage. We can restore commercial properties back to their original condition!
We have years of experience when it comes to mold remediation and clean up. We are the Seattle mold removal experts. Our highly trained staff and professional grade equipment will have your Seattle home happy and healthy again.
If your place of business is suffering from mold, get the best team in the Seattle area to take care of it! We offer best in class commercial mold remediation, so do not hesitate to give us a call!
PureDry is your go-to choice for Seattle water damage restoration services. We have serviced thousands of homes, so rest assured that you are receiving the very best service and value when it comes to water damage restoration.
If your property has been affected by water damage, contact PureDry for the best commercial water damage restoration service in Seattle and the Snohomish area. We are always ready, so contact us 24/7!
