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Fire & Water - Cleanup & Restoration

3 Steps To Take When Making an Insurance Claim

10/18/2019 (Permalink)

Blue ballpoint pen, two antique brass keys and a home insurance claim from on a plywood clipboard If your home in Edmond, OK, was affected by a flood, would you know how to make an insurance claim?

3 Steps To Take When Making an Insurance Claim

If your home in Edmond, OK, was affected by a flood, would you know how to make an insurance claim? Many homeowners are unsure of how the claims process works, but it's useful to understand what to do when making a claim before a disaster occurs. Here are a few helpful steps to follow when starting out in the claims process.

1. Review Your Policy

After a pipe burst or a sewer backup has caused water damage to your home, it can be useful to review your insurance policy. Many policies will help to cover the costs associated with water damage if the damage occurred suddenly. Home insurance policies generally require insurers to meet a deductible before the insurance company can help cover the damage, though the amount of the deductible can vary from policy to policy.

2. Contact Your Insurance Company

Once you have reviewed your policy, it's usually helpful to contact your insurance company. Most often, the insurance company sends an adjuster to assess the damage. However, when making your insurance claim, your insurance provider may also ask you to document the damage. Photographs and receipts can help to paint a picture of the damage that has occurred in your home, and your insurance company will use this information to accurately cover the costs of the damage after your deductible has been met.

3. Ask for Opinions From Restoration Companies

After you have reviewed your insurance policy and have contacted your insurance company, it's often useful to ask for different opinions from several restoration companies. These professionals can give you an estimate of the cost and an outline of what needs to be done to restore your home. Not all restoration companies are equal, however. It's helpful to work with a flood damage restoration business that can quickly mitigate the damage as well as sanitize, clean and restore your home.
Making an insurance claim is often one of the first steps in the restoration process. Understanding what to do when making a claim can make restoration and rebuilding easier, more time-efficient endeavors.

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