When water manages to get where it doesn’t belong, it can cause a
broad range of problems and demands immediate attention. If you need to file a
claim for water damage insurance in Baltimore, MD, then follow these steps:
Stop the Water
Before you do anything else, it’s essential to deal with the source
of the problem. For example, if a leaky or burst pipe is causing water
to leak into your home, then you can help minimize the damage by turning
off your main water shutoff valve before taking any others steps. If flooding
is the cause of the problem, then move as many of your belongings as possible
out of the flooded area. Stopping the water is the first thing you should
deal with when you need to file a home water damage insurance claim.
Contact Restoration Experts
Once you have dealt with the source of the damage, you should call a water
damage restoration company. While you wait for the team to reach your
home, take plenty of pictures of the scene to create photographic evidence
of the damage. Once the restoration experts arrive, they will evaluate
the water problem, stabilize the area, and begin the process of drying
out your home.
Review Your Policy
With the restoration team on the scene, you should stop and examine your
homeowner’s insurance policy. Although these policies can vary,
most include water damage insurance for problems caused by sewer backups
and leaky pipes. However, most homeowner’s insurance policies do
not cover flooding. If a natural flood is the cause of your water damage,
then you should refer to your flood insurance policy.
File a Claim
After reviewing your homeowner’s water damage insurance policy, have
your policy number on hand and call the claims number provided. Within
a few days, you can expect to receive a visit from a claims adjuster,
and your bill for the water damage restoration should be covered at some
point over the next several weeks.