10 Tips to Get Paid Fairly
1. Act Immediately
Most insurance policies require you to report water damage “promptly.” The longer you wait, the more likely your claim could be reduced or denied — and the more mold risk you’re creating in the meantime.
2. Document Everything Before Cleanup Begins
Take photos and videos of ALL affected areas before anything is moved or dried. This visual evidence is critical when your adjuster reviews the claim.
Hidden Moisture Our Team Looks For
3. Know the Difference Between Flood and Water Damage
Standard homeowner’s insurance typically covers sudden water damage (burst pipe, appliance leak) but does NOT cover flooding from outside the home. Flood damage requires a separate flood insurance policy.
4. Don’t Throw Anything Away
Keep damaged materials, furniture, and belongings until your adjuster has seen them. Disposing of items too early can hurt your claim.
5. Get a Professional Restoration Assessment First
An insurance company’s estimate may not reflect the true scope of damage — especially hidden moisture. An IICRC certified restoration company can provide an independent assessment to support your claim.
6. Request a Line-by-Line Breakdown
When you receive a settlement offer, ask for a detailed breakdown. You have the right to understand exactly what is and isn’t being covered.
7. Work With a Restoration Company That Knows Insurance
The right restoration partner will communicate directly with your adjuster, use industry-standard pricing software (like Xactimate), and help make sure nothing gets overlooked.
8. Keep All Receipts and Records
Document every expense related to the damage — hotel stays, meals if displaced, temporary repairs. Many policies include Additional Living Expenses (ALE) coverage you may not even know about
9. Don’t Accept the First Offer If It Doesn’t Feel Right
You have the right to negotiate. If you feel the settlement is too low, you can hire a public adjuster or request a re-inspection.
Read more answers to common questions.
10. Understand Your Policy Before Disaster Strikes
The best time to review your coverage is before you need it. Know your deductible, your coverage limits, and whether you have replacement cost vs. actual cash value coverage.
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