5 Water Damage Insurance Claim Tips You Should Know

If you own a home in the Chicagoland area, water is one of the major threats to its structure and its contents. After all, houses contain a complex web of plumbing that runs to faucets, showers, bathtubs, dishwashers, clothes washers, etc. So a burst pipe could be a major problem that can lead to expensive repair bills. Add to that the possibility of water damage from natural disasters.

Is it any wonder then that water damage is one of the most common and costly kinds of insurance claims? Each year, nearly 1 in 50 homeowners will file a water damage claim, which, according to the Insurance Information Institute, accounts for about 24% of all homeowner’s claims. The average water damage claim comes to about $10,900.

So the odds of water damage happening to a Chicago area homeowner are pretty high. If it does, the following are actions you’ll need to take:


  1. File a Claim Quickly

Although cleaning up the mess may be the first thing on your mind, you need to make filing a claim a priority. This is especially true if there’s been widespread damage as your adjuster will likely be helping clients on a first-come, first-served basis. The faster you file, the faster an adjuster can survey the damage, and so the faster you’ll receive a check for repairs. (Filing a claim may become your second action. See point 5.)


  1. DO NOT Start Cleaning Up

A mistake homeowners sometimes make right after a disaster is that they start throwing out damaged items and cleaning up. However, the insurance company needs detailed and documented proof of the disaster itself, so cleaning up without documenting can hurt your claim (or even get it denied). Your adjuster will first need to thoroughly examine all damaged items, assess whether they are salvageable, and calculate how much money you’ll receive to repair or replace your items.


  1. Document the Damages

After filing a claim, the three most important things you can do are document, document, and document. Documenting will include pictures and videos of all damaged items, including the standing water. Take as many pictures as possible. (Hint: It’s impossible to take too many!) Every pic or video you take is proof of any damage that may be unaccounted for during the claims process, helping to ensure you get paid for your losses.


  1. Protect Your Possessions

Assuming you’ve already found and stopped the water damage source, move as many of your undamaged possessions as you can to a dry area. This will protect those contents that would be destroyed by water and lower the costs of salvaging the others. Moving undamaged items out of harm’s way will also give you a pretty good idea as to what’s been damaged and what’s not.


  1. Bring in Water Damage Professionals

Although calling your insurance carrier is important, consider calling ServiceMaster By Simons first to get a professional analysis of the scope of work. If the cost of remediation and restoration isn’t much more than your deductible, you may elect to forego filing a claim.


ServiceMaster By Simons is the name Chicagoland insurance professionals trust to provide reliable water damage disaster restoration services. We partner with insurance representatives to ensure your home is effectively restored to its prior condition and provide you and your insurance provider with regular, clear communication throughout the restoration process.



About Us: ServiceMaster Restoration By Simons, is a SB100 Best of Small Business Award Winner 2021, Bronze Stevie® Award in the Female Entrepreneur of the Year category in the 18th annual Stevie Awards for Women in Business, recipient of the 2020 Better Business Bureau’s Torch Award for Marketplace Ethics, and recipient of the 2020 Skokie Business of the Year Award, Honorable Mention Category. ServiceMaster Restoration By Simons (MBE/WBE) is a family operated, IICRC & OSHA Certified company serving Chicago, Oak Park, River Forest, and the North Shore. We provide commercial disaster restoration services including Water & Flood Damage Restoration, Fire & Smoke Damage Restoration, Mold Remediation and a wide range of interior specialty cleaning including COVID-19 Cleaning Services, Hoarder & Clutter Cleaning, Post-Construction Cleaning, Carpet & Upholstery Cleaning to residential and commercial customers. For more information, call 773-839-5542 or visit www.servicemasterbysimons.com or info@servicemaster-rbs.com


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