Document water damage properly to maximize your insurance claim
Insurance companies need evidence of damage. Always document thoroughly before making repairs or cleaning up water damage.
Sudden pipe failures due to freezing, corrosion, or high pressure. Usually covered if properly maintained.
Contaminated water backing up through drains. Requires specific coverage endorsement.
Tank ruptures or catastrophic leaks. Age and maintenance history are key factors.
Washing machines, dishwashers, and ice makers. Supply line failures often covered.
Always photograph everything before any cleanup or repairs. Insurance needs to see the actual damage.
Keep damaged items until the adjuster approves disposal. Take photos if you must dispose for health reasons.
Stick to facts. Don't speculate about causes or admit to any maintenance lapses.
Review carefully. Initial offers are often low. Document all damages thoroughly before accepting.
Most policies cover sudden and accidental water damage like burst pipes, appliance failures, and storm damage. Gradual leaks, lack of maintenance, floods, and sewer backups (without endorsement) are typically excluded.
Most policies require "prompt" notification, ideally within 48-72 hours of discovery. However, you typically have up to one year to file. Always report immediately to avoid complications.
Possibly. First-time claims for covered perils may not affect rates, but multiple claims can lead to increases or non-renewal. The severity and cause of damage are factors.
For large claims (typically over $10,000), a public adjuster can help maximize your settlement. They typically charge 10-15% of the settlement but can often recover significantly more than their fee.
Use our free tool to document your water damage properly