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Fire & Water - Cleanup & Restoration

How to Make a Successful Water Leak Insurance Claim

11/2/2022 (Permalink)

How to Make a Successful Water Leak Insurance Claim

Water damage is one of the most common types of home insurance claims. If your home in Bonita Springs, FL, experiences a water leak, you can file an insurance claim to cover repairs and replacement costs. But even if you're not sure what type of water damage occurred or how it happened, filing a successful claim is possible by following these steps:

Step 1: Stop the Leak

If you have a leak and it's not too major, the first thing you should do is stop the flow of water. You can do this by turning off your main water supply, or by using a bucket or other container to catch it. It's important not to use towels or cloths for this purpose; these materials will only absorb the liquid and allow it to continue flowing into your home as soon as they become saturated. Similarly, don't try using your hands—your skin will likely become irritated and/or cut from being exposed to so much moisture. And finally: don't attempt to plug up leaks with brooms either (and especially not duct tape).

Step 2: Record the Damage

The next step to filing a successful water damage insurance claim is to properly document your losses. You'll need to take pictures and record the details of the damage.

Take photos of all of the following:

  • The affected areas, including any damaged floors, walls, or ceilings
  • The source of the leak (e.g., a broken pipe)
  • The amount of water that has spilled on your property

Step 3: Call Your Insurance Agent

The next step is to call your insurance agent. This is an important step because he or she can help you with the claim process and make sure that your rights are protected. It's also a good idea to do this as soon as possible, even if you're still waiting around for repairs from a water damage company.

Don't wait until you've completed the repairs yourself or replaced damaged items before calling your insurance company or agent. And don't replace any damaged items without consulting your insurer first!

Step 4: Call a Restoration Company

Once you've determined that your home has been damaged, it's time to call a restoration company. Restoration companies help with water damage claims, and they're the best way to get back on track after a leak. The process of filing a claim is complex and can be difficult for homeowners without experience in this area. A good restoration company will take care of all the details for you.

The first step is getting an assessment from a contractor who specializes in fixing water damage problems like yours. They'll do an inspection so they know what needs to be done before writing up an estimate for repairs (which should include labor costs). The contractor will also provide advice on how much time it will take to complete repairs, how long until everything can go back into regular use again, etc. 

Step 5: Monitor Progress

When it comes time for the actual repairs on your home or business, make sure that everything is being done in a timely fashion—and professionally. It's easy to get excited about getting your leak repaired as soon as possible; but if something goes wrong with the workmanship during or after repair, then all of those good feelings could disappear in an instant!

It's also important not to rush into accepting estimates from contractors until they have thoroughly checked out all aspects of what actually caused the leak in your property: this includes checking underground pipes and looking at foundations carefully before giving any kind of estimate.

Water leak insurance claims can be challenging, but with the right information and guidance, you can successfully file a claim. The most important thing is to stop the leak and document all damages as soon as possible. If you are able to do this before making any repairs or replacements yourself, then your insurance company will pay for restoration services so that your home is restored to its original condition.

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