How to File a Water Damage Insurance Claim in Freehold

Coming downstairs early in the morning and stepping into several inches of cold water is the last thing you expect. Perhaps you had a pipe burst in the middle of the night, or a massive appliance leak that got out of hand. Regardless, your first instinct is likely to call your insurance agent as soon as possible to file a claim. Doing so is completely up to you, and we at Restoration 1 of Freehold want to offer as much guidance as possible. Here are some tips on how to file a water damage claimfor your home.

Once you have uncovered the damage, there is not a moment to waste in calling your insurance agent to inform them of the incident. Once they know, it would be wise to discuss your home insurance policy and determine whether or not you are able to use your coverage based on the factors of the damage. Water damage is among one of the trickiest, most circumstantial cases when it comes to coverage, so keep that in mind. Once you have spoken to your insurance company, take steps to secure your belongings as best you can from any further damage. This means doing things like turning off your water supply and boarding up broken doors or windows. Move your most valuable items to a safer place away from the water.

In order to receive the most help from your insurance adjuster, you need to document everything to the furthest extent. This means taking detailed photographs, and not throwing anything away regardless of its condition. All of that can be done after adequate communication with your adjuster. If a special or expensive item has been destroyed, see if you are able to find any receipts or formal documentation from when you purchased it. Make an inventory of your possessions and list everything you have lost.

You can only begin cleanup and repairs in your space once you have received approval from your insurance company. If you begin this process prematurely, it could affect how much money you receive from your claim. This could mean a much more expensive out of pocket cost – the last scenario you want in this ordeal. Once you have been approved, look for a company that offers comprehensive water damage restorationand mold prevention.

Restoration 1 of Freehold is exactly that company. We offer 24/7 emergency restoration servicesfor your home and will be there whenever you need us to be. We will remove every bit of standing water, cleanup what cannot be salvaged, make sure that any onset mold development is stifled, and perform any necessary repairs. We are an expert, trustworthy team that is ready to help you. Call us todayat at 908-386-5233. We serve Monmouth County and select cities throughout the area.