Coverage for water damagecan be confusing when it comes to filing insurance claims. Because water damage coverage is circumstantial, it’s crucial to look into your individual policy before making any moves. Should you choose to move forward with an approved claim, you will receive two forms of compensation: dwelling and personal property coverage. These can prove to be a big help when dealing with widespread water damage in your home. Here are some tips on how to file an insurance claim in Horry County.
Before you do anything, it’s imperative that you talk to your insurance agent as soon as possible. Unless you have experienced a flood or a sewer backup, your insurance company should be able to work with you. Acceptable water damage is referred to as “covered peril,” which means that the damage affecting your property was unexpected or accidental. In any case, talking to an insurance agent before you schedule repairs is recommended, as claims can affect your premiums.
When you work with insurance, one of the most important things you can do is to document any interactions. This goes beyond the documentation of the damage, which should be as detailed as possible. Photos and videos can go a long way in making your case. It helps the adjuster and other insurance personnel have an idea of what exactly you’re dealing with. Furthermore, it’s important to retain any communication between you and your adjuster. This includes emails, voicemails, or anything else that could come in handy if there is conflicting information down the line.
Before you begin any sort of cleanup and repairs, make sure that your insurance claim has been approved. Once it has, restoration can get underway. When hiring a restoration company, find one that handles both water damage restoration and mold remediation. When there’s water damage involved, you run the risk for developing mold. A team who knows how to handle both issues will take the proper steps to prevent mold during the cleaning process. They’ll know the specific areas to treat for mold, like behind the walls, in insulation, and under flooring.
At Restoration 1 of Horry County , we are experts in both water damage restoration and mold remediation. Once you have received approval from your insurance company, give us a call. We will fully restore your property in no time. Contact us anytime , 24/7, at 843-279-2662 !