Water damage is a common issue that homeowners and rental property investors in Los Angeles area face. It's crucial to address this problem promptly and understand how to get your insurance company to cover the costs.
This guide will help you navigate the process of filing a water damage insurance claim and maximize your claim's potential.
Understanding Your Insurance Coverage In LA
Most homeowner insurance policies cover water damage if it's sudden and accidental. However, the specifics can vary from policy to policy.
It's essential to read your policy carefully and understand what types of water damage are covered before making phone calls. If you're unsure, don't hesitate to ask your insurance provider or a licensed public adjuster for clarification.
Filing Your Claim
In California, insurance companies are required to settle claims promptly. However, the exact timeline can vary. It's crucial to notify your insurer about the water damage as soon as possible and file your claim promptly. This will help avoid any potential issues with your insurance policy.
Maximizing Your Water Damage Claim
To maximize your water damage claim in LA County, you need to provide comprehensive documentation of the damage. This includes taking photos and keeping a record of all related expenses.
It's also beneficial to hire a public adjuster who can help you navigate the process and negotiate a better settlement on your behalf.
Communicating with Your Insurance Adjuster
When engaging with your home insurance adjuster in Los Angeles, it is crucial to exercise caution in your choice of words. Avoid any admission of fault or unnecessary speculation regarding the cause of the damage. Instead, focus on presenting the facts and allow the professionals to determine the cause.
If you are uncertain about something, refrain from providing more information than necessary. Your primary objective is to ensure the adjuster accurately evaluates the damage, which you can then present to the insurance company to secure the appropriate compensation.
Avoid being overly agreeable or casually dismissing issues by saying, "that's fine" or "this problem isn't significant." Doing so may lead the adjuster to disregard those concerns, resulting in the insurance company refusing to cover them.
Always remember, this is a business transaction with the insurance company. You have faithfully paid your insurance premiums, and now you are addressing water damage, seeking rightful compensation from them, period."
Hiring a Water Damage Restoration Service
When it's time to hire a professional water damage restoration service inspect the damage before handing over the assessment to the insurance company.
Please call 213-519-5226 if you live in the LA county, and we will dispatch the closest service to you.
If traffic isn't too heavy in LA, please expect service to be at your front door in less than 60 mins.