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Water intrusion can happen swiftly, causing damage to floors, walls, ceilings, and the structural components of buildings. While water damage alone can be a nightmare for home and business owners, having to deal with insurance claims can pose additional challenges. Knowing how to claim water damage with home insurance or file a commercial water damage claim will help to make the process smoother.
Trusted by the majority of insurance companies, ATI Restoration has developed a Fast-Track Reconstruction process that includes streamlining permitting and insurance paperwork. We will assist with your insurance claim for water damage and help you seek coverage for all of the repairs required to get your property back to its original condition.
Dedicated to customer service and satisfaction, our handling of water damage insurance claims helps ease your burden, enabling you to focus on the more important task of resuming your life. Whether your repairs require insurance to cover $1,000 or $10,000, our knowledgeable team can help make a case so your insurance company understands your needs.
If your home or business has suffered water damage, ATI Restoration is here to help. Contact us online or call us today to access our 24-Hour Emergency Response service and request an evaluation. We can dispatch a team of IICRC-certified water damage experts to assess the damage without delay, enabling us to craft a restoration plan that gets your property to its best-ever condition.
Not all water damage is covered by basic commercial or homeowners insurance policies. Depending on the location, property owners may be required to have a separate flood insurance policy. If a property is on a known storm path or resides next to a water source that’s prone to flooding, those sources are more likely to cause damage over time. The resulting water damage could require a different degree of remediation or more frequent remediation.
Most homeowner and commercial insurance policies cover sudden and accidental events. These include:
While basic insurance policies are designed to cover most sudden and unexpected events, many property owners also have supplemental insurance coverage to protect against other maintenance issues or issues not covered by standard plans. These may include damage caused by:
It is always important to know what your insurance policy covers. If you live in an area prone to freezing, flooding, tropical storms, or aging infrastructure, having a rider or policies that specifically cover these issues will improve the chances of a successful water insurance claim.
If you’ve discovered signs of water damage on your property or noticed that your roof leaks, it is important to act swiftly. The actions you take following water intrusion can significantly impact your ability to file a successful water damage insurance claim.
Steps you can take that may improve the chances of a successful home or commercial water damage claim include:
If you are a business owner, consider an Emergency Response Agreement (ERA) with ATI Restoration. This agreement provides priority service in times of peak demand, helping to ensure you are taken care of even when our resources are needed in multiple locations. Download our complimentary Contingency Checklist and reach out to ATI Restoration to learn how an ERA could help with your commercial water damage claim.
When it comes time to make a water damage insurance claim, you will want to:
Notify your insurer as soon as possible. Many policies require claims to be processed within a specific timeframe.
Share the photos, videos, and any receipts related to temporary repairs. Create an inventory of damaged items, including their estimated value.
An insurance adjustor will inspect the damage to determine coverage and payout. Be prepared to walk them through the affected areas and provide all requested documentation.
Businesses should document how the damage has impacted operations. Keep detailed records of revenue loss or additional expenses incurred due to water damage.
Insurance claims are almost always written under unique circumstances, so the more detail you can provide and evidence of damage you can document, the more likely it is that the insurance company will cover all of your expenses. The sooner you provide them with the evidence and schedule an inspection for moisture mapping, the sooner the insurance company can make a payment to fund repair services.
You can get the most from your insurance company by setting realistic and defendable expectations. Have a thorough understanding of your policy, including any exclusions and limits. Defend your claim to your insurance adjuster with all documentation and, from there, be prepared to negotiate for the settlement you need to repair the damage entirely.
If you receive pushback from your insurance agent, don’t hesitate to involve ATI Restoration in the process to be sure the insurance quotes are accurate.
Even with thorough documentation, challenges that can arise when filing an insurance claim include:
Processing a successful claim requires careful documentation. Anecdotal reporting and hearsay make it more likely that your claim will be denied. Make your evidence foolproof and thorough.
Insurance policies won’t usually cover claims linked to negligence or gradual damage, so make sure you can provide evidence to support that the damage wasn’t caused by a slow water leak or lack of maintenance. Maintain records of all property improvements, and perform regular maintenance if you suspect something is going to break. You don’t want to sit back and wait for it to fail with the expectation that your insurance company will cover it.
Use photographs and videos to capture the damage so that anyone involved can thoroughly understand the scope of the potential repairs, especially if the policy needs to cover mold remediation or damaged items.
When you choose ATI Restoration, you can count on us for:
We handle everything in-house, ensuring quality from start to finish.
We make sure your insurer has the information to process your claim quickly.
ATI Restoration maintains 70+ regional offices and is growing all the time.
Whether you’re trying to figure out how to claim water damage with home insurance or you need to make a commercial water damage claim, ATI Restoration is here to help. Contact us today to request a damage assessment or discuss how to get insurance to pay for water damage and related issues. We are available 24 hours a day, every day of the year, and ready to spring into action whenever you need us.