The short answer
Document the Damage First
Before you call anyone, take clear photos and videos of every wet area, including ceilings, walls, floors, and personal belongings. Write down the date and time the damage happened, and list each item that got wet. This record helps you describe the loss accurately to your insurance company and supports your claim later.
Save any receipts for emergency purchases, like a dehumidifier rental or a plumber's visit to stop a leak. Keep a log of every conversation you have with your insurer, noting the date, the name of the person you spoke with, and what was said. Thorough documentation makes the process smoother for you.
Review Your Policy Before Calling
Read your homeowners or renters policy to understand what kinds of water damage are covered. Some policies cover sudden leaks from burst pipes, while others exclude flooding or gradual seepage. Policies vary, and your insurer decides what is covered. Check your policy for specific exclusions and deductibles.
If your home is in Virginia Beach, the humid subtropical climate brings heavy storms and occasional hurricanes, so review how your policy handles storm-related water. Knowing your coverage before you call helps you ask the right questions and avoids surprises later.
- Look for the section on 'water damage' or 'flooding' in your policy.
- Note your deductible amount and coverage limits.
- Check if you have replacement cost or actual cash value coverage.
- Find the phone number for claims on your policy documents.
Contact Your Insurance Company
Call your insurance company as soon as you have documented the damage. Provide them with your policy number, a brief description of what happened, and your documentation. They will assign a claims adjuster to review your case. Be honest and accurate in your description, as any misstatement could affect your claim.
The adjuster may ask for more details or schedule a visit to inspect the damage. You can also ask about temporary repairs, but wait for approval if you can, unless the damage is actively worsening. Keep all receipts for any emergency work you do.
Work with the Adjuster
The adjuster will assess the damage to determine what is covered under your policy. They may take their own photos and measurements. Be present during the inspection if possible, and point out all affected areas. Ask questions if you do not understand their assessment.
If the adjuster requests additional information, such as receipts or repair estimates, provide it promptly. You can also hire a local water damage pro to give you an independent damage assessment, which can help you understand the scope of repairs needed. Keep in mind that the adjuster's decision is based on your policy.
List every item you believe was damaged, even if you are unsure.
Ask the adjuster for a written explanation of any denial or partial payment.
Keep copies of all paperwork, including emails and letters.
Take notes during the adjuster's visit, including what they said.
Handle the Repair Process
Once your claim is approved, you will receive payment, minus your deductible. You can then hire contractors to perform the repairs. The pros will typically start by drying out the affected areas, then move on to rebuilding walls, floors, or ceilings as needed. They may also handle mold remediation if it is part of the cleanup.
If you need help documenting the damage for your claim, a water damage documentation service can create a detailed report. For repair work, consider water damage repair services that specialize in restoring homes after water events. Always get multiple bids and check references before hiring anyone.
Ask for a written contract before work begins.
Confirm the scope of work includes drying, cleaning, and rebuilding.
Check that the contractor will handle permits if required.
Keep all receipts and contracts for your records.
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Call Now (757) 665-2121Frequently asked questions
What if my claim is denied?
If your claim is denied, ask your insurance company for a written reason. Review your policy to see if the denial matches the coverage. You can appeal the decision, but that process is handled by your insurer. If you believe the denial is unfair, you can contact your state's insurance department for guidance.
How long do I have to file a claim?
Most policies require you to report water damage within a reasonable time, often within a few days to a week. Check your policy for a specific deadline. Delaying could weaken your claim, so call your insurer as soon as you discover the damage. If you are unsure, call and ask.
Can a public adjuster help me?
A public adjuster is a professional you can hire to help with your claim, but they charge a fee, usually a percentage of your settlement. You can hire one, but it is not required. Before deciding, weigh the cost against the potential benefit. Your insurance company's adjuster represents the insurer, so you may want independent help.
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