When you have water damage in Phoenix whether it is due to heavy rains or a burst pipe, there are steps that you can take to maximize your claim. Be mindful that the sooner you act on this advice the better because water damage can accumulate and become exacerbated quickly.
1. Mitigate the Damage
The best way to get the most from an insurance claim is to minimize the damage. If there is an active water source and you can disable it, block it or lessen it safely, do that first. Then, contact a water damage restoration specialist before you call anyone else.
2. Collect Evidence as You Go
Evidence is an important part of getting reimbursed for everything you have a right to. If you have personal possessions that get damaged and discarded without record, it can be difficult to get compensation for those items. Fortunately, we live in an age where smartphones make it easy to collect evidence. Videos are invaluable. Take pictures of everything you think notable. When in doubt, snap a pic or take a vid. Keep a text log as well, and enter any thoughts that pop into your mind that you may want to refer to later.
3. Report It ASAP
Once the situation has stabilized, the next thing you want to do is call your insurance company. Most companies offer a hotline that you can call around the clock. The claim process for water damage is not necessarily fast, so you want to get the ball rolling as soon as possible even if it is 3am.
4. Lean on Your Restoration Company
The restoration company you hire is skilled and experienced. That extensive experience includes dealing with insurance companies and understanding how to navigate their processes. In fact, many restoration companies will manage the claim for you. Hire your own company rather that use vendors provided by the insurance company and rely on their advice.
5. Hire Your Own Adjuster
As mentioned, the claim process for water damage can be slow. Providers even have more than two weeks to send out an adjuster, but most dispatch one sooner. Hiring your adjuster is relatively inexpensive all things considered. This step goes beyond good advice to crucial if your claim is expected to be large. Having your own adjuster will give you another point of reference as well as a sound basis should you want to dispute some aspect of the insurer’s offer.