Streetsmart insurance Blog
Water mitigation (reducing the impact of water damage before or after it has occurred) can be an expensive and time consuming process. Instead of waiting for disaster to strike, work with your insurance agent to prepare for future claims.
Most homeowners insurance policies cover water damage from natural hazards, pipes, and plumbing inside the home. Talk with your insurance agent to determine the right amount of coverage for your home and your belongings. Take pictures of the items you have in your house, and store them in a safe location. If any of those items get damaged, those pictures will help your insurance company determine their replacement value.
By partnering with your insurance agency, you can create an insurance policy that will protect your home from water damage. If disaster strikes, you will have the tools you need to begin the restoration process.
What Should I Do If I Have Water Damage?
Take Precautions – Before you call your insurance agent, make sure that your home is safe. Shut off your water valve to prevent further damage. Standing water can turn electric sockets into safety hazards, so make sure you unplug lamps, appliances, and electronics after your circuit breaker is turned off.
Take Care Of Your Home – Salvage as many of your belongings as you can. Put aluminum foil under furniture legs to prevent them from staining your floor, and pull curtains and loose fabric away from standing water.
File A Claim – Call your insurance agent to begin the claims process. Send photos of your property to help your insurance company assess the damage. Hold onto all of the bills and receipts related to your claim so that your insurance company can compensate you.
Hire The Pros – Water damage is extremely difficult to repair. Although you may only see standing water, property damage can effect the wood, insulation, and drywall in your home. This is not a project you should take on by yourself; work with a professional restoration company to clean and repair your home.