Having a home emergency due to flooding, house fires, wildfires, or leaks can be an upsetting experience. Dealing with insurance claims for any water or fire damage can be complex and can add to your stress. As a homeowner, knowing how to navigate the aftermath of property damage ensures that your rights are protected and you get the support you need to carry out repairs and minimize your losses as quickly as possible.

In this article, we will explain everything you need to know about navigating insurance claims for water and fire damage in Denver. 

Assess the Damage To Your Property

Once you have discovered any damage, it is important to assess its extent. The first step is to take pictures and videos of the affected areas. This provides vital evidence for your insurance claim. 

You must also prepare a detailed inventory of your property’s damaged and destroyed parts, fixtures, fittings, and other property, such as appliances and furniture. Having proof of purchase information, such as receipts, available will make the whole process easier.

Take Steps To Protect Further Damage

Most insurance policies will want to see that you have taken steps to mitigate further damage to the property. Turning off any heat or water sources and repairing damaged roofs, windows, and doors will minimize the risk of further damage. 

In many cases, you will contact a specialist water and fire damage restoration service, as they can help secure your property, assess the damage, and coordinate with your insurance company to make the claims process much smoother and ensure that you get the coverage you need. 

Contact Your Insurer

You need to contact your insurance company about the water or fire damage to your property as soon as possible. Provide as many details as possible about the incident and the extent of the damage. They will want to know the time and date of the incident, any potential reasons for the damage, and how badly your property has been damaged. 

Most insurance companies have 24-hour hotlines, so contact them as soon as it is safe for you to do so. 

Navigating the Insurance Claims Process

Once you open up a claim, the insurance company will assign an insurance adjustor to review your claim and determine the size of your settlement. 

You must keep detailed documentation throughout every stage of the process, including any costs incurred for emergency restoration works. They will want to visit your property to see the damage and gather any further information before providing an estimate of repairs.

Once you are happy with the settlement amount, you can accept the claim. The insurer will then pay out the agreed amount so that you can pay for the repairs. 

If you need emergency restoration services in Denver, call us at (720) 575-8123 to get the help you need right now!