Making an insurance claim if you have water damage to your Southeast, NY home

6/22/2018 (Permalink)

No homeowner is prepared to see their home damaged by water. When a pipe bursts, a homeowner might walk in to their house to see the ceiling on the floor, water everywhere and personal possessions soaked with water. Although it is a traumatic scenario, quick action is paramount in reducing the damage. Calling a plumber, if necessary, and SERVPRO of Putnam County immediately are your first steps.  

Once help is on the way, call your home insurance company and report the event. Every insurance policy is different and offer a range of coverage. Many water damages are covered and allowing your insurance company to begin their work as soon as possible is beneficial to everyone involved.   
 
We recommend that you take photos of your home prior to any restoration work beginning if possible.  The adjustor can refer to them in their inspection if necessary. Do not remove or throw away any damaged items.  Try to stay calm and report all of the available information to the insurance company. 

Fully document any involvement of others. For instance, if your water damage was caused by a faulty new refrigerator or an upstairs neighbor's toilet overflowing, collect and report all of that to your insurance company.  If they determine a third party is at fault for the event, they may subrogate the claim.  

The SERVPRO of Putnam County office can help you in the process. We have over twenty years of experience in the water restoration business and communicate directly with your insurance company so that you have less to worry about. If at any time during the restoration process you have questions, call us at (845) 228-1090. Our office staff will have the answer for you!