Water Damage Claims To Your Insurance Company

Insurance companies aren’t always the easiest to deal with when it comes to water damage. Home insurance companies are often picky when it comes to water damage claims. Things such as improper maintenance, construction problems, and normal wear and tear are all things that can cause insurance companies to reject your insurance claims. Mold damage alone is excluded from many policies. After making a claim due to water damage, you can begin the process below.

First, you must discontinue the water flow. Be sure to alert your home insurance company as soon as possible. When you let the damage sit without reporting it to your insurance, you may face rejection from the company. Next you may think, “What do I need to do to get this covered?” Here’s what most insurance companies expect:

Provide a written account for the insurance company that includes all the information regarding the claim you’ve made. Keep records of all repairs and expenses.

Take pictures/videos of the damage prior to working on ANY of it.

Hold off on major repairs until your insurance company has agreed to cover the claim…unless you’re in a position to pay for it yourself.

Next, extract excess water and remove damaged items out of the water-damaged area.

Document ALL action taken in regard to the water damage restoration. This can help for current and future insurance negotiations. Remember to keep all receipts for everything you’ve had to purchase or replace due to water damage restoration. Insurance companies will insist on this action if they’re going to reimburse you.

At RestorePro, we’re happy to work directly with your insurance company. We realize you’ve got enough on your plate with the water damage alone and have years of experience in dealing with insurance companies. Our licensed supervisor is happy to take on this process for you as well as orchestrate your water damage restoration. Contact us day or night for a free estimate for your water damage claim.

Service Area

Now providing service to Hilton Head, SC in conjunction with longtime local contractor Ranney & Sons Construction

New Jersey

  • Burlington
  • Mercer
  • Middlesex
  • Monmouth
  • Ocean


  • Bucks

South Carolina

  • Beaufort County

Why Choose Us?

  • Free Estimates
  • Available 24/7
  • Direct Insurance Billing Available
  • Certified in Water & Mold Restoration
  • State Certified Building Contractor
  • State Certified Roofing Contractor

The team that was sent to our house was wonderful. Their experience and professionalism in our situation was outstanding. I was concerned about our children and they took every precaution (air purifier, microbial spray) to keep them safe. Not only did they have good work ethics, they were personable and caring as well.

Angela and Scott S.