To File or Not to File: When Water Damage Warrants an Insurance Claim

when water damage warrants an insurance claim

Water damage: it happens to the best of us. A little bit of water can cause a significant amount of damage to your property and can be costly to repair. In some cases, it may be worth filing an insurance claim to cover the cost of repairs. However, not all water damage is covered by insurance, and it can be challenging to determine if your situation warrants a claim. Here at Kelmann Restoration, we work with insurance companies every day, often acting as a liaison between property owners and insurance adjusters. We really have seen it all! Here are 3 questions to ask yourself when deciding whether to file an insurance claim for water damage.

  1. How did it start? First, determine the source of the water damage. Insurance companies typically cover sudden and accidental water damage caused by burst pipes or a sudden leak. However, gradual damage due to wear and tear or neglect is usually not covered. If the water damage is caused by an event covered by your policy, such as a sudden storm or a burst pipe, then it may be worth filing a claim.
  2. How bad is it? Next, assess the extent of the damage. Even if the cause of the damage is covered by your insurance policy, the damage must meet your policy’s deductible to be eligible for a claim. If the damage is minor and falls below your deductible, it may not be worth filing a claim. However, if the damage is extensive and exceeds your deductible, it may be worth filing a claim.
  3. How will this impact me? Lastly, consider the impact of the damage on your daily life. If the damage is severe enough to disrupt your daily life, such as causing a loss of electricity or making your home uninhabitable, it may be worth filing a claim to cover the cost of temporary housing or other expenses. Be sure to document all damage with photos and keep records of any repairs or expenses incurred.

Determining if water damage is worthy of filing an insurance claim requires a thorough assessment of the cause, extent, and impact of the damage. If the damage meets the criteria outlined above, it may be worth filing a claim to cover the cost of repairs or other expenses. It’s always best to review your insurance policy and speak with your insurance agent to fully understand your coverage and options.

When disaster strikes, you can count on Kelmann. Our water damage restoration services are available to you 24/7. Give us a call to learn more.

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