Hiring a public adjusting firm
You can also hire a public adjusting firm to claim your insurance. There are a lot of fine public adjusters in Ontario that can advise, manage and even submit your claim to the insurance company. However, this post will look at how you can claim the insurance by yourself.
Here are the eight tips to make an insurance claim for your property’s water damage:-
- Insurance Claim Filing: First of all, report the water damage to your insurance company as soon as you can. It’s of prime importance as your insurer(who handles your claim) will check the damage and match it with your property’s insurance policy before you get a check for the repairs.
- Save your unharmed essentials: Then, move your unharmed essential items out of the way of water. It will have a dual benefit. Firstly, it will save your undamaged possessions, and secondly, it will limit the claim along with additional stress.
- Draining the water: After that, drain all of the standing water immediately. It will help in preventing further damage. Moreover, it will ensure that no water seeps into the walls and floors of your property.
- Dry the area and call a cleaning service: Even after draining the water, you will need to dry it completely, especially from the areas that are water-logged. Then, specifically dry the carpets and walls to prevent mould growth. You can also call an established cleaning company to protect your property against additional damage.
- Call a plumber: If the damage is due to leaks and you are not able to handle them all by yourself, then you must call the plumber at the earliest. The plumber will not only fix the leaks but will also provide you with a lasting solution. It will also protect against more water damage to your property.
- List out your damages: Make a thorough list of the damages to the property and the furniture due to water logging. Update this list so that it helps you in the claim settlement. While making the list of damages, write their value and prices as well.
- Don’t throw your damaged items: Keep the water-damaged goods till your insurer have a look at them to make the assessment regarding replacing or repairing your goods. These damaged items will act as proof and help in your claim a lot.
- Cooperate with your insurance company: During the whole claim settlement process, cooperate with your insurer and the insurance company. Provide them with every kind of information that they need, like:-
- Loss proofs
- Your property’s inventory
- Invoices
- Sales receipts
This cooperation will be beneficial to you as your insurer will pass your claim based on the repair cost of the damaged goods. If it can’t be repaired, then they will pay you the amount with which you can buy new goods in place of the damaged ones.
Final Words: Getting your desired water damage claim will become a reality if you follow the above-mentioned eight tips. I hope that you will get the claim settlement that covers the repair or replacement costs of your damaged goods.
If you want to take the help of a public adjusting firm in Ontario to get your desired water damage claim approved, then Onyx Adjusting can help you a lot. They have got some of the best public adjusters in Ontario working for them. Head to their website today to get a free consultation.