How to get insurance to pay for water damages? That’s the number one question we receive from our customers. 5 Star cleaning deals with water damage situations on a daily basis, and we come across a lot of nervous homeowners in Toronto, Canada. Water damage is a very stressful situation on peoples daily life, to repair and clean up the mess created. However, the financial situation proves to be more difficult with a constant worry of how to file a claim with insurance in order to receive the proper compensations to the services and damage rendered. One of the biggest misconceptions is that the water damage needs to be serviced by the insurance company to receive full refund of the services. However, homeowners are left unanswered for several days or received improper and inadequate services. 5 Star Cleaning services provided will be covered by insurance, including after care with carpet cleaning and house cleaning in Toronto, Canada. 5 Star Cleaning can provide the steps necessary to properly file for a insurance claim, with any company you feel comfortable hiring to work in your home.
First let’s make clear what is covered and what will not be covered for water damage services.
Sudden damage can occur at any time. Freezing pipes bursting in the winter, ruptured water mains, or malfunctioning appliances in your home are all examples of sudden damage. Sudden damage events will be covered by most policies, but make sure you read the fine print. Coverage is based on the condition that you’ve been doing regular maintenance on your property. If that water heater you haven’t serviced in 20 years suddenly turns your basement into a small lake, you’re probably out of luck.
Gradual Damage (not covered)
If your water damage is the result of a long-standing, unresolved problem, it’s going to be hard to convince your insurance company to pick up the tab. Plumbing systems don’t last forever, and your insurance company assumes that you, the homeowner, will do your part in staying on top of the upkeep of your property. The takeaway? Make sure you address seemingly minor problems like water leaks and pressure fluctuations as soon you discover them. If you let these things spiral out of control, you may end up footing the whole bill yourself. One of the most common water damage that is NOT covered by insurance is foundation cracks around your own. But once again, very dependent on your specific policy,
What is a Deductible?
The deductible is the amount of money you have to pay out-of-pocket when filing a claim. Better insurance policies have lower deductibles, but the trade-off is a higher monthly premium. Consider the deductible very carefully before choosing coverage.
Call Your Insurance Company
The first person you’re going to speak to is your agent. Take care of immediate concerns like safety and call your agent when you’re ready. Calling as soon as you can is important. If you wait too long and your home suffers greater damage over time, you might not be covered for all the damages. This is also a good time to ask about additional living expenses. If your home is currently uninhabitable, there’s a good chance that your insurance provider will cover any temporary housing costs you incur.
Take an Inventory of Damaged Items
Make sure you go through and document every single item that was damaged in the accident. Take photos, make a list, and don’t throw anything away. The more proof you have to show your adjuster, the better. Photo’s….photo’s…..photo’s.
Meet With the Adjuster
After you speak to your agent, they’ll arrange to send an adjuster over to your property. The adjuster assesses the damage and ultimately decides how much coverage you’ll receive from the insurance company. Keep in mind that your adjuster works for the insurance company. At the end of the day, they want to pay out as little as possible. Don’t let them trivialize the damage or bait you into admitting blame in the incident. It’s very important you have your preferred contractor working and treating the home before waiting for the adjuster. Adjusters will take days or weeks most of the time to attend to your home. 5 Star cleaning will directly assist you in communicating the issue and compensation required with your adjuster.
Find a Contractor
To actually repair your home’s damage you’re going to need to find a contractor. Your insurance company will likely have a contractor they’ll recommend for you. You can also shop around and look for one on your own. Just remember, the rebuilding process involves several steps. The property must be cleared of debris before any work can be done. And everything must be done according to local codes and regulations. When you meet with a contractor, ask for a written estimate detailing the costs of all supplies and labor and a detailed breakdown of all the work they plan on doing. Ask for their license number and do some research to make sure you’re dealing with a reputable contractor.
Putting it all Together
Once you’ve gotten a written estimate from a contractor and have an inventory of your damaged items, you have to meet with your adjuster for a final approval. If your contractor’s estimate is higher than your adjuster’s damage assessment, you have a few options. You can request for your adjuster to try to negotiate a better deal with your contractor. If you feel that your adjuster was off in his assessment, you can call your agent and plead your case. When the adjuster’s assessment, the contractor’s estimate and your inventory of damaged items are all in agreement, you can sign the insurance claim. Your provider will let you know if you need to pay a deductible (in some disaster scenarios your deductible may be waived depending on your provider) and will issue you a check. The insurance claim process is a daunting experience. Stay calm, read your policy (twice!) and go through the steps. If you feel like you’re being given the short end of the stick, speak up.
5 Star Cleaning deals with hundreds of insurance companies in Toronto, Canada and it would be a pleasure for us to help your restoration process in your home from start to finish. We will dry, repair and clean your property to have you feeling safe and happy when our work is done. Call us today for any water damage issues or questions. It is important to note that even if your company does not cover the water damage, that you must professionally attend to the situation to avoid secondary and dangerous mold.
At 5 Star Cleaning, Water damage remediation is our profession. Call us 24/7 for licensed technicians to check and/or dry your home safely.
For any water damage concerns or questions, or in case of water damage restoration needs, please do not hesitate to contact our 24/7 emergency hotlines. 24/7 Emergency line: 416-315-7562 firstname.lastname@example.org