When fire or water causes catastrophic damage to your property, one of the first things you’ll need to do is file a claim with your insurance provider. Ensuring your property has the coverage it needs is essential. Otherwise, you could get stuck paying out of pocket for restoration expenses.

In this blog post, the experts at Action Restoration discuss the processes involved with filing an insurance claim following fire or water damage so you can confidently navigate the process and get the coverage you need.

If your property has recently experienced fire or water damage, contact Action Restoration at (800) 218-9556 to speak with our property restoration specialists about your options. 

The Insurance Claim Filing Process

Filing an insurance claim following a fire or flood can seem daunting, but it’s a fairly simple and streamlined process. Here’s what to expect:

Filing an Insurance Claim for Fire Damage

To file a claim for fire damage, start by contacting your insurance company as soon as the damage occurs. Gather as much evidence as possible, including photographs, videos, and inventory lists of damaged or lost items.

Before reaching out, carefully review your policy coverage to understand limits and exclusions and prepare any necessary documentation, including receipts or appraisals. An investigation may be necessary by the insurance company to process your claim.

Insurance Claims for Water Damage

Similar to filing a claim for fire damage, the process will start with a call to your insurance company. Water damage coverage typically has greater limitations, so it’s important to be aware of these before contacting your insurer.

For example, homeowners’ insurance typically covers water from above, such as rain or burst pipes, but flood coverage usually requires an additional rider or separate policy.

The insurance company will send an adjuster to assess the extent of the damage and decide how much (if any) of the damage is covered under your policy.

Filing Your Insurance Claim for Storm Damage

When filing a storm damage insurance claim, contact the insurance provider immediately to report the damage and begin the claims process. Document the damage thoroughly, just as you would with fire or water damage, and make any temporary repairs required to prevent further damage, as your insurer recommends.

Expect the insurance company to send an adjuster to assess the damage and determine coverage eligibility, and be prepared to provide additional documentation or information they may require during their evaluation and subsequent claims processing.

How Action Restoration Can Help

If your Texas home or business has been affected by a fire, flood, or storm damage, Action Restoration can help. With nearly 100 disaster response professionals available to assist with your property damage, we’re uniquely equipped to address your restoration needs, including offering guidance through the insurance claims process.

If, for whatever reason, you don’t have coverage, our team can work with you to get the restoration services you need ASAP, offering flexible financing solutions to help get your life back to normal fast without breaking the bank.

Nobody does more to get you back in business after a catastrophe, flood, or microbial threat. Call (800) 218-9556 to get the property restoration solutions you need today.