How To Maximize Recovery On A Claim For Water Damage
After your ceiling starts to drip or your plumbing starts to leak, the only reassurance you may have is you purchased homeowners insurance. You may assume that because you were proactive by purchasing this insurance, you will receive the full coverage you are entitled to. Unfortunately, insurers do not want to provide fair payment on claims. Our Daytona Beach water damage lawyer explains the steps you can take to maximize your claim and obtain the full coverage you need.
Stop More Damage from Occurring
If possible, you should take all necessary steps to reduce the amount of damage that will occur. If you do not protect your property, it may give the insurer reason to deny your claim. The steps you need to take will depend on the type of damage you are experiencing. For example, if your roof is leaking, you may have to place a tarp over it to temporarily protect it from rain. Or, if your plumbing is leaking, you should turn the water off.
You may also have to contact certain professionals, such as a roofer, plumber, or water remediation company. These professionals may be better able to mitigate the damage and make the necessary repairs. Just remember to take pictures for the insurer before any temporary repairs are made.
Gather Evidence of the Damage
To properly assess your water damage claim, you will have to present evidence pertaining to the portion of your property that was damaged. The camera on your smartphone is enough to take pictures of the damage, and video footage can also show the full extent of the destruction. You should also create a list of all damaged personal belongings, including a description of the items, the value of them, and the cost of replacing them. If you are unsure of the value of certain goods, an appraiser or restoration expert can provide an accurate estimate.
Inform the Insurance Company of the Damage
Your insurance policy likely includes a clause that requires you to tell the insurer about the damage as soon as possible. If you do not do this, your insurer may not only reject your claim, but they may cancel your policy. You should have your policy available when you contact the insurer, as they will ask for your policy number and other important details contained within the contract. They may also ask for a ‘proof of loss’ form. If they do, ask them to send you the form via email or show you where you can find it online.
Our Water Damage Lawyer in Daytona Beach Can Help You Claim Full Coverage
Dealing with the insurance company can be overwhelming and intimidating, particularly if you have never had to do it before. At Bundza & Rodriguez, our Daytona Beach water damage lawyer can deal with the insurer on your behalf so you obtain the full and fair coverage you deserve. Call or text us now at 386-252-5170 or chat with us online to book a free consultation and to learn more.
Source:
leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0624/Sections/0624.155.html
