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Fire & Water - Cleanup & Restoration

What to do When Filing a Commercial Water Damage Claim

4/18/2019 (Permalink)

Water Damage What to do When Filing a Commercial Water Damage Claim Contact a disaster restoration specialists in the Secor Gardens, NY area to provide estimates

What to do When Filing a Commercial Water Damage Claim

A water damage claim can be an intimidating process, especially when you are still reeling from the standing water throughout your building. Fortunately, despite its grueling perception, the process is straightforward. However, it is only straightforward if you move quickly, calling your insurer immediately after discovering the damage and following the four steps below.

1. Document Damage

While the broken pipes may be apparent, you should still take pictures of them to show the assessor and to keep a record. Beyond the pipes, you will want to photograph any other potential damage. Take photos of wet computers, office furniture, carpeting and anything else that seems to be affected by the water.

2. Gather Information

Before presenting your water damage claim to your insurer and assessor, it is wise to review your policy, making sure you are aware of your coverage and limits. Also, gather any relevant receipts to prove the value lost. An insurer will not take your word for anything, so be ready with physical and paper evidence to prove maintenance and costs.

3. Prepare for Assessor

An assessor or adjuster will be sent out to judge the extent of the damage and to estimate the coverage for the water cleanup. Again, being prepared with photographic evidence, receipts and any other concrete information is valuable and likely appreciated.

4. Get Estimates

While your insurer will want to see the damage firsthand, most companies will expect you to mitigate further loss by starting the cleanup process. You can contact several plumbing and disaster restoration specialists in the Secor Gardens, NY, area to provide estimates. While these estimates may not be necessary, they do provide you with a negotiating tool when presented with an adjuster’s final assessment.

Water damage is never any fun, and the cleanup process can be a nightmare if you are not prepared. While you have insurance to protect your interest in disasters, it is your job to be prepared and ready when making a claim.

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