Navigating Water Damage Insurance Claims

Filing a homeowner's insurance claim for water damage can be confusing and stressful. Understanding the process can help you get the coverage you deserve.

Mitigate the Damage First

Most policies require you to take immediate action to prevent further damage. Do not wait for the adjuster to arrive before calling a restoration company to extract the water and start drying. Waiting can cause mold, which may not be fully covered.

Document Everything

Take photos of the source of the water, the standing water, and all damaged items. Do not throw away damaged items (like ruined rugs or furniture) until the adjuster has seen them.

Work with a Direct-Billing Restorer

Choose a restoration company that uses Xactimate (the industry-standard estimating software) and can bill your insurance directly. This saves you from paying out of pocket and waiting for reimbursement.

Need Professional Help?

If you're dealing with water damage, fire damage, or mold, our certified experts are available 24/7 to assist you.