5 Simple Steps for Getting Insurance to Pay for Water Damage

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Picture this: a burst pipe causes a lake to form in your home seemingly overnight. Or perhaps a septic backup caused dirty sewage water to flood your bathroom. Whatever the case might be, water damage can be extremely expensive to repair.

Luckily, your homeowner’s insurance should cover the cost of the repairs. But what if your insurance provider is unwilling or reluctant to pay for them? What should you do then?

Save the Day Restoration is here to help! Here’s how to get your insurance company to pay for water damage restoration services in five easy steps.

1. Get to the Root of the Problem

If your home has been deemed safe to enter, immediately try and stop more water from flowing onto your floor. This means determining where the water is coming from. You might have to turn off your house’s main valve or single water supply valve, also known as stops.

If the water damage was caused by an overflowing toilet, washing machine, or dishwasher, shut off the water flow by turning the stops clockwise. 

2. See if Your Homeowner’s Policy Covers Water Damage 

Not sure if your homeowner’s insurance policy covers water damage? Well, now is a good time to check. Many policies do help to cover the cost of repairs if the water damage was accidental or sudden. This means that damage that resulted from a leaky roof that you already knew about but were unwilling to repair won’t be covered. 

A few types of water damage that your homeowner’s policy should cover include:

  • Burst pipes
  • Sudden, accidental appliance or plumbing problems
  • Vandalism

Insurance policies generally won’t provide coverage for any ongoing issues that led to the water damage, including old, corroded pipes or groundwater in your basement. 

3. Report the Claim as Soon as Possible

The sooner you get on the phone with a homeowner’s insurance agent, the better. Don’t wait days—or even weeks—to file your claim. After you determine the source of the water damage, your next step should be to call your insurance company to report the claim. 

Be sure to take photos of any damages, including soaked drywall or ruined furniture. This can help to support your claim.

4. Hire a Water Damage Restoration Company

Repairing your home after water damage strikes is a job best left to the experts. Save the Day Restoration’s water damage restoration technicians have over 15 years of industry experience. Additionally, our fully licensed, bonded, and insured team provides 24/7 emergency services. Whether you notice a leak during the afternoon or in the middle of the night, we’re available to help. 

Like reporting your claim, you shouldn’t drag your feet when it comes to hiring a damage restoration company. Stagnant—or still—water can promote the growth and spread of mold. This can be hazardous to your health and cause respiratory issues, such as coughing and heightened asthmatic symptoms.

Save the Day Restoration also specializes in mold remediation solutions. We’ll swiftly and efficiently remove all mold spores from your home. Our odor removal services will also get rid of any musty smells. This ensures your house is clean, fresh, and safe once again. 

5. Negotiate Your Settlement 

Lastly, try and negotiate your settlement for repairs. While this might not be possible for small claims, larger ones might be able to be adjusted. If you lack haggling expertise, ask your insurance agent to play the middleman. 

Dependable Water Damage Restoration Solutions for Los Angeles Homeowners 

If your home has suffered water damage, call the experienced technicians at Save the Day Restoration. We’ll work with your homeowner’s insurance agency and provide fast, effective solutions to restore your home to its pre-damage condition. 

To learn more or to obtain your free quote, contact us today by calling (562) 561-1574.

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