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Water Damage: 7 Tips for Insurance Claims

If you’ve ever experienced a major water event in your home, then you already know the difficulties it presents. Your furniture is at risk, you probably need to rip up the carpet, and the wood floor is likely to need replacement. This is all before we consider the electrical, sheetrock, and mold issues. When you have a floor, or are recovering from a fire, you will need to file a claim for the water damage. Here are 7 tips for ensuring that your water damage claims are effective.

Prepare Your Pipes

During the winter, homes become vulnerable to frozen pipes. When metal pipes freeze, they can burst and cause terrible damage. Insurance companies may not pay a claim if your home has not been prepared for such an outcome. During the cold months, make sure that your pipes are wrapped and that you leave the heat set on a minimal setting while you are away for the holidays.


If your home is in the middle of a slope, heavy rains can pose a threat to your basement. If you experience a water-damage event, insurance companies will want to see that you did what yo could to protect your home investment. Address the problem by digging a French drain, sealing your foundation, or taking other precautionary measures to correct any drainage issues on your property.


Keep your gutters clean and free of debris to ensure that they ferry water away from your home. A simple extension added to a downspout can so so much to save our home from a water-damage event. If the unthinkable occurs, insurance companies will be pleased to see your preventative measures.


A leaky roof can cause lots of damage to the home. Walls, floors, furniture, etc. are all at risk if your roof isn’t fully secure. Perform regular inspections to make sure that all the shingles are intact, that the flashing is secure, and that any repairs are performed. There would be no greater heartache than for a water-damage claim to go unpaid due to a faulty roof.


Your dishwasher, clothes washer, and even refrigerator all are connected to the water supply and they may become faulty, causing water damage. If you maintain these appliances to a reasonable degree, it is likely that your insurance company will honor a water-damage claim. Do, however, make sure that each one is properly draining and well-maintained.


If you live in a low-lying area with a water feature nearby, such as a creek or lake, you may be in jeopardy. Check your insurance policy to see if it covers flooding. Chances are that it does not. In that case, you may wish to purchase additional flood insurance. There is nothing worse than discovering too late that you are not covered for a foreseeable flood. Make sure you are eligible to file a water damage claim on your insurance in the event of a flood. Read more on how you can prepare your home for a flood.

Prepare Your Claim

In the event that a water event occurs despite your best efforts, you will want to prepare a claim for the insurance adjusters. Keep records of any costs such as new carpet, furniture expenses, or roof repairs. Then, take photos of all the damaged areas. You may want to take photos of your house now, prior to any water damage, so the adjuster has a before-and-after comparison. Make a record of any precautions you have taken, such as insulating your water pipes or installing a French drain. This may be overkill, but there is no harm in being overly prepared.

Water damage is ugly and difficult to deal with. Make sure you are prepared and study your policy so that you are current on what it covers.

At Rapid Dry Services, we provide a full array of emergency residential and commercial, home restoration services in the Greater Western NY area. For immediate and affordable assistance, contact us today!

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