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Dealing with water damage in Orlando? Here’s how to document it for insurance claims

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Water damage happens; your priority is stopping the water source and starting the clean-up process as soon as possible to prevent further damage. But it’s also crucial that you properly document the damage from the very beginning. Why? Thorough damage documentation is key for getting insurance claims processed smoothly and getting the maximum reimbursement for your losses.

Assess safety first

Before doing anything else, make sure the area impacted by the water damage is completely safe to enter. Watch for exposed wires, slippery floors, mold growth, or other hazards created by the water intrusion. Address any safety issues before allowing anyone into the space or touching anything.

Take photos of the damage

Photos are one of the most important parts of your damage documentation. Take clear, well-lit pictures that show all of the impacted areas from multiple angles. Get wide shots to show the whole room as well as close-ups of the water stains, swollen materials, etc.  If possible, take pictures both before and after water extraction so you demonstrate how extensive the original flooding or leakage was. Photos taken on your phone are fine as long as they are clear, dated, and timed visiting this site www.damagecontrol-911.com.

Conversations with the insurance company

Keep a written record of all your conversations with insurance representatives. Note the date, name of who you spoke with, and details of the discussion.  If they give you any specific instructions on documenting damage, note those details. These records will come in handy if there are any discrepancies later on. As part of the claims process, you’ll need to submit receipts to your insurance company for things like:

  1. Water extraction or flood remediation services
  2. Drying or dehumidifying equipment rentals
  3. Cleaning supplies, protective gear, boxes, etc. purchased specifically for clean-up
  4. Hotel costs if displaced from your home during repairs
  5. Any other related expenses incurred as a direct result of the water damage

Make copies of these receipts in addition to submitting the originals with your claim paperwork.

Take inventory of damaged or lost items

To provide your insurance company with an inventory of personal property that was either damaged or lost due to the water incident. This includes things like furniture, electronics, appliances, clothing, etc.  For accurate reimbursement, this inventory needs to be as detailed as possible. Note brand names, model numbers, purchase dates, and estimated replacement costs. Photos of damaged items also help. It is helpful to keep samples of damaged materials like carpet, drywall, flooring, etc. to submit along with your claims paperwork. This provides tangible proof of the extent of damage when combined with your other documentation. Just be sure to keep sample sizes small and store them in sealable bins or bags to prevent further mold growth.

Protocol for your insurance company

Every insurance provider has their specific requirements for documenting water damage. Make sure you know your company’s policies and follow them exactly.  Ask what types of documentation the claims adjusters prefer to work with. Following their protocol to a T will prevent any delays in processing your claim.

Connecting with your insurance agent early in the process is wise. They answer questions about your policy’s damage documentation requirements. Often, they even coordinate with claims adjusters on your behalf.   The more assistance you get directly from your agent, the lighter your documentation workload will be. Their expertise is invaluable.

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