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Home > Blog > What to know if you need to file a water damage claim
FRIDAY, SEPTEMBER 4, 2020

What to know if you need to file a water damage claim

From Filing to Finishing - The Course of an Insurance Claim - The ...

 

What to know if you need to file a claim

  
If you want to get started on clean up, please document your loss.
  • Take pictures inside and out of damages and water mark lines.
  • If the water entered the dwelling, you can remove wet drywall and carpeting. Cut one foot above the water mark on the wall of every room that was damaged.
  • Save a 1ft by 1ft piece of each different type or style of carpet and padding in each room that you remove the carpeting.
  • Do not throw anything away until the adjuster comes to inspect the damage.
  • If you can safely do so, make temporary repairs to prevent further damage.
  • If you choose to use a water restoration company, they can help extract standing water and set out large fans to dry out the damage.  
  • If you choose to use a remediation contractor, we advise not to sign open ended contracts. It is likely that all charges they include are not reimbursable under the flood policy.
  • If you need an advance on your claim ask your adjuster.
  • If you have flooded previously have your documents, receipts and photos to prove prior repairs.
  • Start a list of structural and contents damage
  • Contact your insurance agent to report the damage.  Adjustors will contact you within 72 hours to schedule an onsite inspection
  • Remove excess water by mopping and blotting or moving wet rugs out of the property to avoid more damage.
  • Wipe excess water from wood furniture after removal of lamps and tabletop items.
  • Remove and prop wet upholstery and cushions.
  • Place aluminum foil or wood blocks between furniture legs and wet carpeting.
  • Turn air conditioning on only if the AC did not suffer water damage for maximum drying in summer.
  • Remove colored rugs from wet carpeting.
  • Remove art objects to a safe, dry place.
  • Gather loose items from floors.

To discuss this please contact us.

Suzanne Brown Insurance Agency

A Houston, Texas  Independent Insurance Agency with over 100 insurance carriers

www.SuzanneBrownAgency.com

281-558-2210

Posted 2:12 PM

Tags: insurance claim, houston home insurance, houston flood insurance
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