a Successful Water Leak Insurance Claim
Water leaks can be one of the most destructive home problems. You need to act quickly when you notice water leaking from a leaky pipe. Your home insurance may cover the repair costs. But you have to file a claim within a specified time limit. This can be a frustrating process. If you are unfamiliar with going about it, consider hiring a water damage lawyer to assist you with your claim. They can make the process easier and strengthen your case.
It is important to document the damage before filing a claim. Take photos and videos of the damaged area. You should also get a second opinion from a contractor or independent adjuster. A professional inspection will prove that the damage was not gradual. Gradual damage is a common reason that an insurer denies a claim.
An adjuster will then visit your property and inspect it. He or she will ask questions about the damage and your insurance policy. After the damage is assessed, the adjuster will estimate the cost of repairs. The insurance company may refuse your claim or settle for a lower amount. To help your claim, you should provide receipts, a detailed list of the damage, and contact information for the insurance adjuster.
Once you have an adjuster in your home, you should continue to make regular contact with him or her. Document the damages, and let the adjuster know if you plan to make any repairs. However, you should only make repairs that you can complete safely.
You must work with a licensed plumber to find the source of the leak. The water may be hidden in your walls or behind your cabinets. Sometimes, an icemaker or dishwasher might leak from behind your cabinets. Although most insurance policies do not cover these appliances, a leaking dishwasher or icemaker could cause significant damage.
If you do not immediately contact your insurance provider, it could complicate the claim process. Depending on your state, you may have a 15-day window to file a claim. Make sure that you are present when the adjuster arrives. Be ready to answer any questions the insurance adjuster has.
Documentation of the damage is essential to a successful water leak insurance claim. Take pictures of the area where the water has leaked, and keep a record of any repair expenses. Do not throw away anything damaged, or you could end up losing out on a substantial settlement.
Taking a few minutes to carefully document the damage you have caused can make a claim more successful. Keep a copy of your insurance policy on hand. As you file your claim, take photos and video of the damages.
If you want a better chance of getting a fair and reasonable settlement, you should hire a lawyer to assist you. An experienced water damage attorney can strengthen your case and negotiate with the insurance company. Their experience and knowledge can help you avoid common mistakes.