3 Tips for Water Damage Claims

11/27/2024 (Permalink)

Most homeowners policies cover sudden or accidental water damage, but not all repairs associated with it are necessarily covered.

3 Water Damage Claims Tips

Bursting pipes are not the only issue that could prompt the need for water remediation services in your home. So many different factors can play into filing your insurance claim that you may not know where to begin or how to decide if the damage to your home in Bronxville, NY, is covered. Here are three ways to improve your confidence that your claim will be accepted.

1. Review Your Policy

Most homeowners' policies cover sudden or accidental water damage, but not every repair associated with it is necessarily covered. For example, your insurance will likely pay for the damage caused by a busted pipe but not to fix the broken pipe itself. Depending on the exemptions in your coverage, you may be able to pay for the remediation of any secondary damage that happens as a result of the original issue if it was covered by your policy. Your insurance agent can help you understand exactly what your policy covers.

2. Perform Regular Maintenance

The key to an accepted claim is often your own vigilance. Have bursting pipes repaired as soon as you notice the problem. Perform regular inspections and maintenance on all your plumbing. Make sure that your roof is intact, and have any weak points fixed immediately. If damage happens because you neglected to take care of your home, your claim may be denied.

3. Keep Accurate Records

Keeping a file with records of the repairs that plumbers and other maintenance professionals have done can help you back up your insurance claim. If your action on an issue is called into question, you have proof that you stayed on top of the problem. Accurate records also help keep you on track so that you remember when your last inspection or update was performed.

Whether water damage was caused by bursting pipes or some other type of leak, responding quickly and keeping an account of how you responded is important. Your fast action and knowledge of your policy can help you file a successful claim.