Guide to Water Damage Insurance Claims: Do’s and Don’ts

by | Apr 15, 2022 | Water Damage | 0 comments

For comprehensive water restoration services in West Palm Beach, FL, call Titan Restoration Construction at 561-462-4983!

Water damage insurance claims are some of the most common home insurance claims filed. In fact, after wind and hail damage, water damage claims are the largest. A filed claim can help make water damage restoration services in West Palm Beach by Titan Restoration Construction easier.

Homeowners are often surprised to discover their home insurance doesn’t cover everything. There are some do’s and don’ts to follow to make the process easier.

Do Know What Your Policy Covers

You may know that your home insurance policy covers water damages. However, this policy can also depend upon the types of water damage. Some examples include: 

  •       Flood damage
  •       Storm-related damages
  •       Sewer or water backups
  •       Broken pipes
  •       Accidental/sudden discharge
  •       Cracks in foundation
  •       Clogged toilets or other plumbing issues

Knowing what your homeowner’s policy covers can help you prepare your water damage insurance claim.

Don’t Ignore a Small Problem

Sometimes storms and flooding happen in Florida, and your home can experience water damage overnight. Other times, water damage can result from a minor issue. These issues are known as gradual damages, and they may not always be covered by home insurance. Examples include:

  •       A leaky faucet
  •       Inadequate or a lack of repairs
  •       Tiny leaks in your basement or walls
  •       Leaky pipes that damage your floors, walls, or ceilings
  •       Damaged shingles or flashing on your roof
  •       Mold or mildew
  •       Rusty pipes or other structures

A minor issue like a leaky faucet may not seem like a huge problem. However, over time, gradual damage can add up. While a water damage claim will often cover issues like mold or broken pipes, it might not cover a leaky water heater.

That’s why you should always have an annual inspection of your home. You should also seek repairs the moment an issue surfaces. 

Do Implement Damage Control

While you’ll want to document any damages and take pictures, you’ll still want to implement damage control. This may include soaking up water damages, turning off any water at the source, removing rotten structures, etc.

Your water insurance claim also might not be approved if you can’t prove you tried to mitigate further damages.

Don’t Forget to Have a Professional Restoration Team

Lastly, you’ll want to make sure you have a professional restoration team on your side. At Titan Restoration Construction, we have a team of qualified and certified technicians that can help restore any property following water damages.

We’re proud to serve the community of West Palm Beach, FL. Our services include 24/7 emergency services and helping you file your insurance claim.

For statistics regarding water damage and how Titan Restoration Construction can help with your water damage insurance claim, call 561-462-4983!


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