What You Need to Know Before You Call an Insurance Company About Water Damage

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When your house or business has suffered water damage, you have two options: you can report and walk around with your insurance company and possibly be compensated for the damage …

… Or you can get your home repaired faster by your insurance company with these expert tips and techniques up your sleeve!

Stay calm.

Let's face it – a lot of us would rather have a root canal rather than call an insurance company about water damage. However, don't let your frustration or anger come to the surface, as this is the fastest way to undermine your own efforts to get compensation. Remember, this insurance agent is a person too – and they'll be much more likely to help you if you're calm, cool, and composed.

Know your deductible.

Don't rely on your insurer to tell you all of your policy details, including your deductible. Your deductible will be determined based on the premiums you paid for your home insurance; therefore, if your premiums are higher, your deductible will be significantly lower. Find your insurance policy and familiarize yourself with your deductible before making that phone call.

Take lots of pictures.

Before you can collect compensation from your insurance company, you will need to provide proof of water damage to your business or home. Use a digital camera that shows the time and date of the photos, as this will speed up the claims process.

Record who you are talking to.

When pursuing your claim, there is a good chance that you will be talking to many agents. Save yourself a major headache and make sure you get the name and extension number of the agent you spoke to. Take notes of your conversation and, if possible, record it. While most insurance companies record these conversations, it is best to arm yourself if your insurance company comes back on a verbal agreement.


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