How to File a Water Damage Insurance Claim Successfully

Your Complete Guide to Water Damage Insurance Claims

Filing an insurance claim for water damage doesn't have to be a nightmare. With proper documentation and knowledge of the process, you can maximize your settlement and get your home restored quickly.

What's Typically Covered

Most homeowner's insurance policies cover sudden and accidental water damage, such as burst pipes, appliance malfunctions, and storm damage. However, gradual damage from neglected maintenance, flooding, and sewer backups typically require separate coverage.

Step-by-Step Claim Process

1. Document all damage immediately with photos and video
2. Contact your insurance company within 24 hours
3. Mitigate further damage — your policy requires this
4. Keep all receipts for emergency repairs and temporary housing
5. Get a professional damage assessment and restoration estimate
6. Meet with the insurance adjuster and provide documentation
7. Review the settlement offer carefully before accepting

Homeowners who hire a professional restoration company before the adjuster visit receive 40-60% higher settlements on average because of better documentation.