How to file a water damage insurance claim
Prepare a safe record of the damage and ask your insurer how your policy and its claims process apply.
What you'll learn
- How to describe the apparent source and affected areas to your insurer
- What to ask about coverage, deductibles and reporting
- How to take photographs only when it is safe
- Why estimates, invoices and correspondence are useful records
Step by step
- Photograph the affected areas only from safe places.
- Write down what you saw: appliance, supply line, roof, or outdoor water.
- Ask your insurer about your policy, reporting and documentation.
- Keep estimates, invoices, repair records and correspondence together.
- Ask whether the insurer needs to inspect anything before disposal.
Safety note
Coverage depends on the policy and event. Keep a dated record of your insurer conversations.
Rather have a pro handle it?
Call (858) 330-3449 or send the details through the contact form.
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