Guide to Water Damage Insurance Claims: Do’s and Don’ts

When filing a water damage insurance claim, it's important to follow the following "do's and don'ts" to ensure that the process goes smoothly:


  1. Act quickly: The sooner you report the damage to your insurance company, the sooner they can start the claims process.

  2. Document the damage: Take photos and videos of the damage, as well as any damaged personal property. This will help the insurance company assess the extent of the damage.

  3. Keep receipts and invoices: Keep any receipts and invoices for any temporary repairs or cleaning services you have to pay for, as these may be covered by your insurance.

  4. Keep in touch with the insurance company: Stay in touch with your insurance company throughout the claims process to ensure that everything is going smoothly.

  5. Hire a professional water damage restoration company: They will have the equipment and expertise to dry and restore your property.


  1. Don't wait to report the damage: The longer you wait to report the damage, the more difficult it may be to prove that the damage was caused by a covered event.

  2. Don't throw away damaged property: Keep any damaged property until the insurance company has had a chance to inspect it.

  3. Don't make permanent repairs: Wait for the insurance company to assess the damage before making any permanent repairs, as they may not cover the cost of repairs that have already been made.

  4. Don't neglect to mention all damages: Be sure to report all damages, including those that may seem minor, as they may become bigger issues later on.

  5. Don't forget to check your policy: Before making a claim, read your policy to be sure that you understand what is and isn't covered.

Remember that water damage insurance claims can be complex and time-consuming, but by following the above do's and don'ts, you can increase the chances of your claim being accepted and your property being restored.