To file a claim with your insurance company for water damage to your home, you will first need to call your insurance company and report that damage has occurred. The insurance agent will generally recommend that a professional water damage restoration company visit your home and inspect the damage that has occurred.
The professional water damage restoration company will give you a report on the extent of water damage in your home. They will also write an estimate of what it will cost to repair your home and replace personal property. These estimates will need to be given to your owner's insurance company, but you will want to make a copy of the estimate for your own personal records. You can get more information related to restoration of water via https://pandcrestoration.com/water-damage-restoration/.
Additionally, you will want to document and record the damage yourself by taking photographs or recording the damage with a video camera. That way, you are covered by the insurance company in case the water restoration company has not suffered some damage. After receiving the quote from the water restoration company, your insurance company will send an adjuster to inspect your home for water damage.
The information obtained by the insurance adjuster will be given to your insurance company. The insurance company will write you a check so that you can begin repairing your home and replacing damaged personal property.
Damage caused by floods is often not covered by a standard homeowners insurance policy. You will need flood insurance to cover flood damage to your home. Any type of accidental water damage must be covered by homeowner's insurance.