Homeowners in the Newton-Wellesley Massachusetts area called with a problem that is all too common. There was water damage in their home and the insurance company was not paying the claim. When a pipe broke in their house 18 months ago, they decided not to file a claim at the time. They threw out the damaged contents, demolished the damaged areas and then repaired. After a month or two, they noticed a smell and an air quality hygienist came to inspect their home. The hygienist found black mold throughout the home, which is expected to cost $40K–50K to remediate. After hearing how much, the owner filed the claim.
It sounds like a complete mess! This is exactly why you should contact a Public Adjuster immediately when you have property damage to your home or commercial building. There are certain things that you need to do after damage to protect the property and yourself. Here are some tips:
- Call your insurance company about the damage immediately. Under most insurance policies, you are required to notify the insurance company in a timely manner. This gives the insurance company the opportunity to inspect and determine the extent of damage and if the resulting cause of the damage is covered under your policy.
- Take photos of EVERYTHING! Take pictures of all rooms as soon as you can and document the damage. If a pipe has broken, take a picture of the pipe — a video is even better. Video and photos can be shared with the insurance company if a representative cannot come out immediately to inspect the property.
Stabilize the property by contacting tradesmen, such as an electrician and plumber. Shut the power or water supply, if needed.
- Contact a water remediation company. They will be able to extract the water from your home and map out the damage with moisture readings. This will help determine the extent of where the water travelled and begin to develop a scope of work to remediate by removal or drying.
- Protect property which can be saved from the damage and document the damaged items. Do not throw them away until the insurance company has had the ability to inspect the property and determine value.
A public insurance adjuster is trained to handle the emergency situation that most property owners hope they never face even once, let alone thousands of times as an adjuster has. A public adjuster knows how to protect the scene and document the damages while respecting the requirements from the insurance company. If you have any questions on how to handle an insurance claim in the Brookline, Newton, Needham, Wellesley, Natick, Framingham area, please contact Berger Adjusters, LLC. in Brookline, MA.