When Should Homeowners File Allstate Insurance Water Damage Claims?

Insurance claims for homeowners that are water related can be tricky to deal with, as most individuals don’t really know what is covered by their insurance policy until they need to file a claim for damage.  There are some things that you should know about Allstate insurance water damage claims and claims made to other insurance companies that can make it much easier to deal with water damage in your home.

Being prepared with relevant information is the best way to handle your water damage claim, so it pays to be informed when purchasing a homeowners policy.   When you purchase homeowners insurance, be sure to ask about what is covered and what is excluded when it comes to water damage.  Keep in mind that policies will differ greatly from one company to the next, so take the time to understand yours fully before disaster hits.

In many cases, homeowners insurance covers water damage claims that result from storms and emergency situations, such as a broken pipe or water heater.  You typically won’t be paid for claims that are the result of neglect, normal wear and tear and other cases where the homeowner could have prevented the damage by taking care of routine home maintenance.  Ask your insurance company for specific details of what is covered if you aren’t sure.

Depending on the policy that you have and the type of damage you have sustained, you may or may not be covered in cases where the flooding has occurred as the result of an equipment failure (i.e. a broken water heater failing or dishwasher breaking down and flooding the kitchen), a sewage back up, or water from a flooded river.  The best thing you can do for yourself is to take lots of pictures of the damage, be prepared to discuss your claim with your insurance agent and be patient with the claims process.  By keeping a clear head and being prepared, you can ensure the smoothest possible flood cleanup.

Top Tips for Homeowners Filing Allstate Insurance Water Damage Claims

Have you recently experienced water damage to your home and belongings due to a flood or fire?  If you’ve got homeowners insurance, then you will probably be filing a claim for the damage and likely have some questions about how the process works.  The truth is, it’s important that you file Allstate insurance water damage claims promptly and correctly if you are dealing with water damage.  This will make it easier to get your claim processed so that you can get paid and get on with your life.

The most important thing to remember when filing a claim is to make sure you have all of your policy information handy in order to make the process easier on yourself.  Before disaster hits, make sure that do an inventory of your home that includes photos, video and a written list of your goods.  Keep this list, along with your policy information in a waterproof, fire safe container or a security safe to protect it from damage in the home.  It can also be incredibly helpful to keep this information in a safe deposit box at a bank, as this will guarantee that the items will stay safe in the event that your home is completely destroyed.

When speaking with your insurance company about your claim, be careful with your wording.  Many experts recommend being careful when discussing the damage in your home, as sometimes saying the word “flood” can cause your claim to be denied.  Some homeowner’s insurance policies will cover water damage that is caused by a storm, but not necessarily from a flood.  It’s best to leave the diagnosis of the damage to the insurance company and instead just cooperate with the investigation to the best of your ability.

Finally, file timely claim reports if you want to ensure the most prompt processing possible.  Taking too much time can create problems when it comes to having the damage investigated and appraised.  By following your insurance company’s rules about filing a claim and handling it the right way, you can try to reduce the headaches and get your claim processed so that you can get your home back in order.