Small floods are a nuisance for homeowners. If left untreated, they can lead to bigger issues like mould and structural damage. When caught early and addressed promptly, flood clean up and repairs may cost less than your insurance deductible to fix independently.
Here are some small steps homeowners can take to help determine if it is necessary to open a claim with their insurance company when experiencing a minor flooding.
1. Call a restoration company. Call a reputable restoration company to clean up and dry out your home properly. There are client review websites like Homestars.ca that specialize in rating trades including restoration companies. When caught early and treated correctly, flood damage can be minimal.
2. Take pictures. In the event the flood repairs needs to be escalated to the insurance company, pictures documenting the initial damage and a list of affected items will be important for processing your claim. A restoration company should do this for you.
3. Get a repairs estimate. A reputable restoration company will be able to supply a quote easily. Ensure that whomever you choose bills per Xactimate standard pricing, the industry standard. This way you know that the pricing will be fair and you will not be overcharged.
4. Access and contact insurance. Once the actual cost of the damages and actual cost of loss is determined, call your insurance broker. Your broker will be able to help you determine if the overall cost is more than your deductible and if filing a claim is the best course of action.