Dealing with water damage is stressful enough without the added complexity of navigating an insurance claim. Understanding the process — and knowing what to do and what to avoid — can significantly impact your claim outcome. Here's a step-by-step guide to filing a water damage insurance claim in Colorado Springs.
Step 1: Stop the Damage and Ensure Safety
Your first priority is always safety and stopping the source of water. Turn off the water supply, ensure electrical safety, and begin protecting your belongings. Your insurance policy requires you to take reasonable steps to prevent further damage — failure to do so can affect your claim.
Step 2: Document Everything Before Cleanup Begins
Before any cleanup or restoration work begins, document all damage thoroughly with photos and video. Photograph every affected room from multiple angles, capture close-ups of damaged materials, document damaged personal property, and note the water source and the time damage was discovered. This documentation is the foundation of your insurance claim.
Step 3: Call Your Insurance Company
Contact your insurance company as soon as possible — most policies require prompt notification. Have your policy number ready and be prepared to describe the source and extent of the damage. Ask about your deductible, coverage limits, and the claims process. Request a claim number and the name of your assigned adjuster.
Step 4: Understand What's Covered
Standard homeowners insurance typically covers sudden and accidental water damage — burst pipes, appliance failures, and storm-related water intrusion. It generally does not cover gradual leaks (damage that occurred over time), flooding from rising water (requires separate flood insurance), sewer backup (may require a rider), or damage from lack of maintenance.
Step 5: Call a Restoration Company That Works With Insurance
Choose a restoration company experienced in working with insurance companies. A good restoration contractor will document all damage thoroughly, provide detailed scope of work and cost estimates, communicate directly with your insurance adjuster, and advocate for complete and proper restoration. Absolute Water Damage and Mitigation works directly with all major insurance companies.
Step 6: The Insurance Adjuster Visit
Your insurance company will send an adjuster to assess the damage. Be present during this inspection and have your documentation ready. Your restoration contractor should also be present to walk the adjuster through the full scope of damage — including hidden moisture that may not be immediately visible.
Common Mistakes That Can Hurt Your Claim
- Throwing away damaged items before documenting them
- Making permanent repairs before the adjuster visits
- Not documenting all damage — including contents and personal property
- Accepting the first settlement offer without reviewing it carefully
- Not understanding your policy's coverage limits and exclusions
- Waiting too long to file — most policies have time limits
What If Your Claim Is Denied?
If your claim is denied or you believe the settlement is inadequate, you have options. Review the denial letter carefully to understand the reason. Provide additional documentation if the denial was based on insufficient evidence. Request a re-inspection if you believe damage was overlooked. Consider hiring a public adjuster to advocate on your behalf. As a last resort, consult with an attorney specializing in insurance claims.
Absolute Water Damage and Mitigation works directly with all major insurance companies. Call us 24/7 at 1-719-238-5064 — we'll help you navigate the claims process.
