5 Steps Of Water Damage Claim

Dealing with water damage can be a stressful experience for homeowners in Los Angeles County. Knowing the necessary steps to take when faced with such situations is crucial for a smooth recovery process. Whether you’re dealing with leaks, HVAC malfunctions, burst pipes, a leaky roof, or even a flood, following these five steps will help you navigate the water damage insurance claim process effectively.

Step 1: Stop the Flow and Evaluate the Damage

The first and most important step is to identify the source of the water damage and take immediate action to stop it. Locate the water shut-off valves or seek assistance from a professional plumber if necessary. Once the water flow is under control, carefully assess the extent of the damage to determine its severity.

It is advisable to call a 24/7 professional plumber first, as they can efficiently handle emergency situations such as burst pipes and sudden floods. This step will provide you with essential information before contacting your insurance company and may even help lower the overall costs.

Step 2: Contact Your Insurance Company

Reach out to your insurance agent as soon as possible, preferably within 24 hours, to report the incident and provide them with accurate information. Inform them about the water damage and inquire about coverage for repairs. This initial communication initiates the claims process and sets the wheels in motion for the restoration of your home.

It’s important to note that the way you communicate with your insurance company is crucial. Be mindful of what you say, as certain statements may impact the outcome of your claim. The insurance company will not be able to determine the amount to pay until a water damage remediation assessment is performed.

Step 3: Contact a Professional Remediation Company

Depending on the severity of the water damage, you may need to hire a professional remediation company. These experts possess the necessary tools and expertise to effectively handle water damage. They will assess the situation, provide guidance, and ensure thorough drying to prevent mold growth.

The insurance company will base its coverage on the assessment provided by the remediation company. The assessment must be official to count. So unfortunately you can’t just call your next-door handyman to make the call.

Step 4: Collaborate with Contractors and Insurance Adjusters

Maintaining open communication between homeowners, contractors, and insurance adjusters is crucial throughout the restoration process. The insurance adjuster will assess the damage and determine the coverage. However, it’s important to remember that their goal is to minimize payouts, so it’s essential to be vigilant.

Don’t say more than you have to, otherwise, you may just help them not to pay you for the repair.

Collaborate with the contractor to create a comprehensive restoration plan, taking into account materials, paint colors, and overall quality. Having a single point of contact simplifies the process and expedites restoration.

Step 5: Manage the Restoration Project

Decide whether you want to manage the restoration project yourself or hire a general contractor. Companies like Harris Services can handle the entire project, coordinating various trades for a smoother process. This ensures that the restoration aligns with your insurance coverage and returns your home to its pre-loss condition.

Once the restoration work is complete, a final walkthrough is conducted to ensure your satisfaction. Insurance companies may withhold appreciation funds until the project is inspected and finalized. Upon successful completion, a certificate of completion is issued, signifying the restoration and release of recoverable depreciation funds.

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