What to do in the event of a water loss
| Whether the water loss is a result of a broken pipe, a broken water heater, or flooding, there are actions you can take to prevent further damage to your home or business.
1. Stop the Water and Turn Off the Utilities. Shut off the water main valve immediately if the water is a result of something broken inside your home or business. It is a good idea to make sure everyone in the household or designated employees within the business knows where the shutoff valve is located. In case of a major water event, turning off the power or natural gas might be necessary to ensure the safety of yourself and your family or employees. Turning off the power will ensure the prevention of electrocution of any appliances that may be in the affected area. If the water event is minor, there may not be a need to shut off any utilities.
2. Get the Water Out Quickly and Use Fans to Circulate Air
Quickly cleaning up of as much water as possible can prevent further damage. This can be done by mopping or using any available towels to wipe up the water. If fans are available, strategically place them to circulate the area to assist in drying. This is extremely important immediately following the loss and within the first 24-48 hours. A reputable restoration company can also assist in the extraction and drying of water damage. Call us for a referral.
3. Get Property to a Dry Location and Don’t Throw Anything Out
If possible, remove any area rugs to prevent any possible staining of the floor and move contents to a dry area. Put furniture on blocks or slide a square of aluminum foil under furniture legs to prevent any further damage to the furniture or the flooring that the furniture is sitting on. This would be a good time to conduct an inventory of the damaged property. Do not throw anything out until the claims adjuster has had an opportunity to inspect the scene. Photos are also recommended.
4. Call us ASAP.
We are your liaison between yourself and Farmers. We will be able to give you advise on coverage as well as the claims process, including your deductible. If it’s in your best interest to file the claim, we will help you submit the claim ASAP. The claims team will provide you further direction as to what your next steps will be.
Tags: Claims Advice, Homeowners Insurance Claims, Insurance Claims, Why Have An Insurance Agent