When your home has water damage, it can be challenging to figure out how to file an insurance claim. You know you want to get your house repaired as soon as possible and get back to living your everyday life. Still, you’re worried about the process itself, which might be confusing and difficult to manage if you aren’t familiar with it already. In this article, we’ll walk you through the entire water damage insurance claim process from start to finish.

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Water Damage Restoration Process

Filing an insurance claim is usually only step one in getting your home back to pre-loss condition. If you want to get your life back on track as quickly as possible, you’ll need professional help. Here’s how to find out if you’re dealing with water damage and what steps are involved in restoring it. The sooner you know that there’s been a break in your property’s defenses, the better equipped you are to hire experts to repair it—and reduce its odds of happening again.

Emergency Contact:

In most cases, you’ll want to call your homeowners’ insurance agent immediately after you discover your home has sustained flood or water damage. It can be done during business hours Monday through Friday—in some cases, 24 hours a day.

Assessment Process:

An assessment of your home or business by an adjuster. This process determines if you’re eligible for an insurance payout. If so, it will assess how much money should be paid out and at what rate. The adjuster may not enter your house without permission but can take photographs and ask you questions about your case as needed. They’ll also need to know if there were any witnesses to your incident; they may be called in for a formal interview with investigators from their company.

Extracting Water:

If you have standing water in your home, you’ll want to extract as much of it as possible. It involves removing all furniture from your living room and all carpeting, pulling up rugs, taking out floorboards, and drilling holes in your walls if necessary. When everything is saturated, remember to unplug any electronics that may be damaged by moisture; these include computers, televisions, and appliances.


If you know your home has experienced substantial or excessive amounts of moisture, use a dehumidifier to reduce humidity in order to prevent mold growth. A dehumidifier effectively lowers relative humidity levels and removes excess moisture from your home. An improperly working dehumidifier can actually make matters worse, so make sure that you regularly monitor its function by checking for mold growth and measuring relative humidity levels.


First, make sure you’ve turned off all utilities (gas, electric, and so on) in your home. Then, it would be best if you disinfected anything that got wet. To do so, take every item out of your flooded home and spray it with an antibacterial cleanser. You can use vinegar for most surfaces—be sure to rinse thoroughly with water once you’re done. (Note: Don’t use bleach or other chemicals that could further damage what’s already wet.)

Property Restoration:

The first step in filing your water damage insurance claim is to call your agent and alert them of your need for restoration services. It’s important to have an inspector on-site while you wait for restoration workers since they can help limit further damage. As soon as possible, please take photos of everything damaged by moisture or flooding and keep detailed records (including receipts) of what it costs you to replace these items.

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Residential Water Damage Restoration

A Guide for Owners and Tenants. There are two ways to do that: Start with a conversation or an inspection by an expert, then file an insurance claim; Start with an examination by an expert, then start talking about it. Both have their pros and cons. Let’s take a look at them in detail. When you need your house fixed due to flood damage, a crucial step is getting organized! Suppose you can get all of your essential paperwork together before contacting your flood repair contractor. In that case, you can significantly increase your efficiency and speed up any process they may need to go through to get started on your job. You should collect every single one of these documents upfront.

Commercial Water Damage Restoration

Let’s take a closer look at how to get started with your commercial water damage restoration. First, when you discover that there is a problem, immediately call in professionals. Professional companies have resources you might not have on hand, and they are trained in dealing with emergencies like these. Many different things can happen due to severe moisture exposure, including mold growth and all sorts of structural problems. Leave it to experts! You may even consider calling them before an event happens so they can be ready for whenever an emergency occurs; if nothing else, it ensures that they are close by in case anything happens so they can respond right away. 


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