Call 1-888-553-2687
24/7 Emergency Service Available

24/7 Emergency Service Available

Navigating Insurance Claims for Residential Property Water Damage

Water damage to residential properties can be a stressful and costly experience for homeowners. Insurance coverage can help alleviate the financial burden associated with repairs and restoration can be done by Specialty Restoration. However, navigating the insurance claims process for water damage can be complex and overwhelming. In this blog post, we will provide some essential tips and guidance to help homeowners effectively navigate the insurance claims process for residential property water damage.



  1. Review Your Insurance Policy: Before filing a claim, thoroughly review your insurance policy to understand the coverage and limitations related to water damage. Take note of specific terms, deductibles, exclusions, and the claims process. Familiarizing yourself with the policy details will help you better understand what is covered and how to proceed with the claim.
  2. Document the Damage: As soon as water damage occurs, document the extent of the damage by taking photographs or videos. Make sure to capture both the affected areas and any damaged belongings. Detailed documentation serves as essential evidence for your insurance claim, helping to support the assessment of the damage and the resulting costs.
  3. Report the Damage Promptly: Contact your insurance company as soon as possible to report the water damage. Provide them with all the necessary information and be prepared to answer any questions they may have. Timely reporting is crucial to initiate the claims process promptly. Also be sure to let your insurance know that you would like to use Specialty Restoration for your water mitigation and repairs.
  4. Document Communication: Have a conversation with your insurance carrier or representative and maintain detailed records of all communication with them. This documentation will serve as a reference throughout the claims process.
  5. Contact SRT for an Estimate: To receive an assessment of the damage and cost of repairs, obtain an estimate from Specialty Restoration. We will then email the estimate directly to your insurance company.
  6. Work with an Insurance Adjuster: Upon filing the claim, an insurance adjuster will be assigned to evaluate the damage and determine the coverage. Cooperate with the adjuster throughout the process, providing them with all necessary documentation and supporting evidence. Be present during the adjuster's visit to point out the extent of the damage and discuss any concerns or questions you may have. At times your insurance carrier will assign Specialty Restoration to do a scope of work and evaluate the damage for them.
  7. Understand the Claim Settlement: Once the claim is processed, carefully review the settlement offer provided by your insurance company. Ensure that it adequately covers the costs of repairs and restoration. If you have any doubts or disagreements regarding the settlement, discuss them with your insurance adjuster.
  8. Keep Detailed Records: Throughout the entire claims process, keep a thorough record of all correspondence, claim forms, estimates, invoices, and receipts. These records will serve as a reference and support any future inquiries or disputes.

Navigating insurance claims for residential property water damage requires careful attention to detail, timely action, and effective communication. By understanding your insurance policy, documenting the damage, promptly reporting the incident to your insurance, Specialty Restoration mitigating further damage, obtaining an estimate, working with your insurance agent and our project manager, and keeping detailed records, you can ensure a smooth transition back to normalcy.