Water damage is a nuisance that you can likely come across living in Framingham, Massachusetts. Boston Metrowest gets a higher than average amount of rainfall and you can never really be sure when that seemingly sturdy roof might start dripping and damage your furniture. Therefore, knowing a thing or two about water damage insurance claims can really come in handy when a problematic situation arises.
Limit the Damage
Addressing the water damage as soon as you are aware is critical to an insurance claim. If you find water damage and do nothing about it, or do not adequately stop the damage, additional “secondary” damage, like mold and dry rot, will occur. Insurance companies may determine that the worsening damage is caused because the initial water damage was neglected. The insurance company may withhold some or all of the reimbursements on the valid grounds that you didn’t intervene.
The first step is to limit, or mitigate, water damage. Limiting the water damage may include different steps depending on the water damage event. For example, when you have a plumbing leak, you should first shut the water supply to the house from the main valve. In the event you have a lot of water soaking the floor, walls, and other items, a call to a professional water damage clean up company, like STOP Restoration (STOP), is critical.
Insurance companies know that water damage turns into mold and worsening damage so they are vested in helping you fix the source of the water leak or flood as quickly as possible. Less damage means less cost. STOP Metrowest works closely with you and the insurance adjuster to provide the best emergency water removal service in addition to accurate and complete documentation for the adjuster so the insurance claim can be paid.
The insurance company requires evidence to validate your claims. Photos and documentation will be needed from you and the water damage restoration company you hire. Take photos or make videos using your smartphones to show as evidence and make it all inclusive. Capture photos or videos of anything that could have been the cause of the damage, such as a burst pipe, broken water heater, or backed up toilet. Additionally, while recording the video, it is also important to include commentary and describe what you’re capturing on the video. Do collect written evidence and draw up a comprehensive list of the items damaged, their original costs, and the estimated costs to replace them. The disaster restoration service, like STOP Metrowest, will measure and monitor how wet the different materials (e.g. drywall, stud wall, carpet, etc) are and take photos not only of the initial damage, but also the progress of drying to support the water damage insurance claim.
Hire the Right Restoration Company
Insurance companies will encourage you to acquire the services of companies they have on a “vendor list.” While these may be great companies, this is not always the case. You have the right to hire the company that best suits you and your situation.
Any water damage event is stressful and likely occurs at the most inopportune time when you have a million other things on your plate. Let STOP Metrowest help clean up the water damage and work on your behalf with the insurance adjuster. STOP limits the damage as quickly as possible, documents and photographs the damage, and communicates with you and the insurance adjuster to support the insurance claim.
For personal safety and building safety, water damage restoration is best left to professionals.
STOP Metrowest is an IICRC Certified Firm - safe, quality, and compassionate service is our priority! We provide 24/7 emergency water removal and restoration of any water damage related issues in Framingham MA or other Metrowest MA communities like Sudbury MA, Holliston MA, and Westborough MA. Call STOP Restoration (STOP MetroWest 508-753-3780) based in Framingham MA.