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Fire & Water - Cleanup & Restoration

Filing an Insurance Claim: What Information do I Need?

11/17/2022 (Permalink)

Couple calling for help, looking at leaking ceiling. Don’t let water damage get worse before calling for help!

Storm damage, a burst pipe, a leaking appliance—when you’re a homeowner, any of the above will present a stressful situation. The last thing you need is to add the stress of navigating the insurance system, especially if you’ve never filed a claim before and aren’t familiar with the process.  

Luckily, filing an insurance claim doesn’t have to be stressful, and SERVPRO of Missoula has three steps to get you started:

  1. Call your agent. If you discover water damage in your home, don’t wait to contact your homeowners’ insurance agent. Water damage has the potential to get much worse the longer it sits, and your agent will be able to walk through the situation with you and advise on whether to file a claim.
  2. Take pictures. When damage occurs in your home, document, document, document. In most cases, coverage is contingent on the loss being sudden and accidental. Photographs taken immediately after the loss occurs will help the insurance adjuster assigned to your claim determine if the loss should be covered.
  3. Make a list of damaged items. Check out our blog post Steps for an Insurance Home Inventory for more info on why this is important, as well as tips on getting started.

When you call SERVPRO of Missoula to respond to your emergency water loss, we’ll also help you navigate your insurance claim, your project managers will work directly with your adjuster, so you don’t have to be a go-between.

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