Normally, water damages are covered in the standard homeowners’ insurance scheme. But to qualify for this insurance benefits, certain checks must be in place. For instance, water damages resulting from neglect or abandonment or flood are not covered in most insurance plans. Incidents considered as sudden internal water damages are covered by the normal homeowners’ insurance. The aim of this article is to explain how the insurance works, what it covers and how to file for the benefits in the case of a damage.

How Does this Insurance Work?

The homeowner pays premium to the insurance company on a contract basis that provides for the payment of insurance benefits to the homeowner in the event of a water damage.

What is Covered and What is Not?

Most homeowners find out to their dismay that their situation is not covered in the insurance scheme they signed. This can be avoided by understanding the fine line between damages that can be insured and damages that are not. Most of the homeowner insurance policies are majorly designed to cater for accidental events and not ongoing damages occurring over weeks, months or even years. The insurance does not cover for disasters such as floods or damages resulting from personal neglect.

How to File for Your Insurance Benefits?

We at Atlanta Water Damage Pro can help you with filling for your benefits as we have insurance claim specialist that can help you get your due entitlement in the event of this devastating water damage. However, there are a couple of things that you need to do event if we are going to help you with the paperwork and process. They include:

Stop further damages to your home:

Once you have informed us or the insurance company of the water damage, you are expected to prevent further damage by cutting off water supply and board up broken doors and windows.  Remove water to the extent you can. Just curtail the effects as much as you can.

Record a proof of damage

This may be pictures or videos that can give a clear proof that your home suffered a water damage. You are also expected to find and keep records of the cause of the water damage. This will serve as an evidence.

Take an inventory of all your damaged properties

This is important to calculate your benefits. The inventory should be detailed. It should contain the list of possession, their models, age, made and any other relevant information. Ensure you don’t throw away any of these possession. You are required to keep them until you receive your entitlement.

In the case of a water damage, you will normally need a water damage control firm that can assist you get your insurance claims in a stress-free manner and also carry out the remediation of your home. At Atlanta Water Damage Pro, we are insurance claim specialist. We will bill your insurance company and not you. We will also deliver 24-hour service to cover for emergency repairs. Learn more here.