4 Things You Can Do to Minimize Water Damage Repairs

trouble free water damage repairWhen water damages your home, one thing is certain: your insurance company and the process of filing a claim will suddenly be a big part of your life. Here are some tips for making sure your experience is as trouble-free as possible. Create a home inventory—and make it easy on yourself A home inventory will not only ensure all your possessions are accounted for and you get proper compensation for them, it will probably speed up the claim process. Instead of depending on an insurance adjuster or your memory to provide specific details about your valuable possessions, like models and serial numbers, you can provide your insurer with a detailed list of items and an idea of their purchase price and condition. Even better, use online file storage to easily create and manage your home inventory. Backup and cloud storage technology like Carbonite, Mozy and Google Drive make keeping a proper home inventory easier and more reliable than ever before. It saves the data online where you can access it from your computer or phone, and you can save your list of possessions along with photos of each one. Go through each room in your home systematically, taking photos of your possessions with your smart phone or digital camera as you go. If you have receipts, scan them or take photos of them. After a water damage incident, you'll be able to retrieve them all and forward them to your insurance underwriter. You won't need to rely solely on your memory at a stressful time or deal with a paper inventory which may itself have water damage. Choose your water damage restoration company ahead of time Depending on the laws in your state, your insurance agent may be prohibited from recommending a specific company to repair your water damage. However, they can likely provide your with names and numbers of reputable disaster repair contractors. It's best to choose a company carefully while you're stress-free. Check their references and capabilities carefully and ask if they have an emergency response program, which puts you at the top of the priority list in the event of a problem. Know the exceptions in your insurance policy Coverage of water damage varies widely from policy to policy, so be certain you know exactly what's covered. If you don't like what you find, get in touch with your agent immediately and see if it can be changed with a rider or by moving to a different type of policy. Also, remember that natural flooding will not be covered under your homeowner policy, so flood insurance must be purchased separately. When you consider the cost of potentially extensive repairs to your home, or even replacing it completely, the few hundred dollars per year you'll pay for most flood insurance policies is a minor cost. Take protective actions as soon as possible after an incident Insurance claims are sometimes denied because the homeowner did not engage in "mitigation of loss." In other words, your insurer will expect you to take any action you can to minimize the damage to your home. Do whatever you can safely do to prevent more water from entering the affected area and/or reduce ongoing damage. For example, if you need to board up a section of damaged roof or have an area pumped out, do so and keep track of the cost so your insurer can reimburse you. With a little preparation and care, you can deal with your insurer with very little stress and much success. LDR Cleaning and Restoration is one of the premier restoration companies in Rockford, Illinois and Southern Wisconsin. LDR provides restoration services from water damage, mold removal, fire damage restoration, storm and hail damage repair for commercial and residential properties. Capable of handling any size loss and working with all types of insurance providers, the LDR disaster team is available 24 hours a day, 365 days per year. Click here to contact LDR, or call 1-888-874-7066. Image courtesy of cooldesign / FreeDigitalPhotos.net download the free Emergency Response Plan guide.  


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