How to File an Insurance Claim for Water Damage
Act quickly if water damage occurs. Follow these steps to ensure your insurance claim is handled smoothly.
1. Act Fast and Stop the Source of Damage
Stop the water at its source. For a burst pipe, shut off the main water supply. Use buckets or tarps to limit roof leak damage. Quick action reduces damage and is usually required by your policy.
2. Document Everything
Before cleanup, take photos and videos of damaged areas. Make a list of affected items with values and purchase dates if possible. Good documentation proves your loss and speeds claims.
3. Contact Your Insurance Company Immediately
Once safe, contact your insurer quickly. Many offer 24-hour lines or apps. Be ready to provide:
- The cause of the water damage (e.g., pipe burst, leaking roof, appliance failure)
- The date and time it occurred
- The extent of the damage
- Any steps you’ve already taken to prevent further loss
After filing, you’ll typically receive a claim number and be assigned an adjuster who will assess the damage.
4. Review Your Policy Coverage
Review your policy before repairs. Most cover sudden damage like a burst pipe, but not flooding or slow leaks. Flood damage needs separate coverage. Knowing your policy sets claim expectations.
5. Meet with the Insurance Adjuster
Be present when your adjuster inspects damage. Show all affected areas and share your documentation. The report helps determine your payout, so accuracy matters.
6. Get Repair Estimates
Get several estimates from licensed contractors before repairs. This ensures fair pricing and supports your claim. You can usually choose your contractor.
7. Keep Records of All Communication and Expenses
Save all claim-related correspondence and receipts, including for temporary repairs or emergency expenses. Some may be reimbursed under additional living expenses.
Contact Us
Filing a claim for water damage is stressful, but being organized and prompt helps. Act fast, document well, and communicate clearly to streamline the process and get fair compensation.
If you’re ever unsure about your coverage or how to proceed, consider consulting a licensed public adjuster or your insurance agent for guidance.
Get an insurance quote today by calling us at (541) 318-8835 or to connect with us online by clicking here.
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