Most insurance policies will mandate that you take appropriate steps to prevent any further damage from occurring
Cleveland OH (PRWEB) July 19, 2013
Restoration Local, one of the largest providers of water damage restoration in the United States, is offering tips to property owners on the proper steps to take in the aftermath of water and flood damage. Before any insurance claim can be filed, there are certain protocols that must be followed to expedite the process and hopefully garner a proper settlement.
Most insurance policies will mandate that you take appropriate steps to prevent any further damage from occurring, and this includes turning off any water that goes to leaking pipes, all the way back to the water main if that is what is required. Holes in roofs or walls should be patched, and the receipts saved for these temporary repairs. Provide for adequate drainage of all water by opening doors, windows, or drains that will allow water to escape. Move any and all water sensitive items out of the wet area.
While insurance may pay for flood damage, it will not provide for flood damage, so do not clean up any storm related damage until after the adjuster has visited and made their determination. Insurance may however, pay for your family to stay in a motel for the reasonable duration necessary for repairs to be done. Save all lodging and meal receipts.
Some people make the mistake of substituting flood damage for water damage, and with regard to insurance purposes, this is a mistake. Insurance will not provide for flood damage, so it is important to not make any repairs or alterations to your property until after the adjuster has done their duty. Insurance may also pay you for temporary lodging, so keep all motel and meal receipts.
Most insurance deductibles are in the amount of $500 to $1000, and such deductible may be paid back to you if the damage was the responsibility of someone else, such as an upstairs neighbor leaving their bathtub to overflow, causing water damage to your downstairs residence. If someone else caused the damage, be sure to get their full name, address, number, employers, drivers licence number, insurance company name, and policy number.
Based in Cleveland OH, Restoration Local offers water damage repair and restoration services in more than 30 states. They are available 24/7 and all work is guaranteed.