Will They Pay For That? Navigating Your Water Damage Claim

Regardless of the situation, damage to your home and property can quickly become an unexpected nightmare. The stress of dealing with homeowners insurance claims and policy red tape often feels like adding insult to injury. Damage can happen unexpectedly from tropical storms and hurricanes, blizzards, flooding, or even a pipe backup or overflow; if you are a property owner, it’s important to be well-equipped with the information you need to reduce potential turmoil when dealing with an emergency at your property.

Handling Your Water Damage Claim

First and foremost: if there’s an emergency in your home that poses imminent damage to the property, it’s critical to take whatever action is needed to mitigate immediate and future property damage. In the long term, you should review your homeowner’s policy at least once a year to refresh yourself on your level of coverage and assess if additional coverage is needed

Any kind of water damage should be handled quickly and carefully by a trusted restoration firm. While the problems posed by a sewage pipe overflowing into your home are apparent, seemingly clean water can also quickly become a hazard as well. The IICRC (Institute of Inspection Cleaning and Restoration Certification) and Restoration Industry Association recognize three different categories of water that can be present in an emergency:

  • Category 1: This is clear water in your property originating from a clean source. Examples might include water originating from faucets, broken water-supply lines, or an appliance malfunction involving a water-supply line.

  • Category 2: This is considered grey water: water with some kind of significant contamination. Some examples might include washing machine overflow, seepage coming up from the foundation, or water emanating from a punctured water bed.

  • Category 3: This is black or grossly contaminated water. Examples of Category 3 water include sewage, any kind of flooding from sea water or ground surface water, or toilet backflows.

Your insurance company considers it an emergency whenever there is any kind of standing water present inside your property, even Category 1 clean water. This is because a clean water scenario can quickly become a contaminated water scenario when the water begins penetrating the structure of your property, escalating to a Category 2 or Category 3 damage. Additionally, a secondary hazard of mold growth begins 24-48 hours after a water emergency, particularly when porous surfaces such as drywall are affected. Because of this, it’s important to treat the standing water first. While the first instinct might be to price out estimates for repair, delaying the clean-up process can quickly turn a clean water job into a hazardous, contaminated water situation.

The goal of your insurance company and policy is to prevent damage to your property. That is why it’s preferable to first contact an emergency service company such as Tri State Restorations to immediately assess and clean your property before additional damage to the structure can occur. This is because immediate, post-emergency clean-up ultimately costs you and your insurance company less in the long run, and halts the spread of damage to your property. Our licensed and bonded clean-up crews use state-of-the-art hygrometers and infrared imaging to find all sources of flooding and water damage in your home, and work quickly to clean, decontaminate and dry the structure.

We’re here to  help!

In addition to providing immediate 24-hour emergency clean-up services within 90 minutes of your call, our trusted team of professionals also works directly with your insurance company to handle your water damage claim, and we bill your insurance company directly so you will never have to worry about waiting for reimbursement on costly out-of-pocket expenses. If there’s a water or sewage emergency in your home, you cannot afford to wait. Contact us at 1-866-818-1949 or fill out our online contact form 24/7 for immediate service, and let us handle navigating your insurance claim.