Understanding Insurance Adjustments

Swimming Pool Overflow And Flood Your Home? How To Avoid Problems With Your Insurance Claim

If you've come home to find that the fill valve on your in-ground swimming pool ruptured and has flooded your home, you'll need to act fast. Of course, the first thing you should do is turn the water off to your home. Shutting the main water supply off will stop the flow of water, and prevent further damage. Once you've stopped the flow of water, you'll need to start on the cleanup process. Here are some important steps you'll need to take to get the repairs taken care of.

Contact Your Insurance Agent

If your home is under water, you'll need to file an insurance claim, as quickly as possible. Contact your insurance agent, and provide them the details of your flood damage. They'll provide you with a claim number so that you can track the progress of your claim. Once a claim has been filed, you'll need to wait for the claims adjuster to get ahold of you. From there, you'll be able to start with the actual cleanup and repair process.

Gather Photographic Evidence of Your Loss

You're going to need plenty of pictures for your insurance claim, but not just any pictures. To get the most out of your photographic documentation, take time to get the right pictures for your file. First, take pictures of the ruptured valve. This will give the insurance company the initial information they'll need to assess the cause of your water damage. Next, take pictures of the water outside your home, so the insurance company has a detailed record of the severity of the flow into your home. Finally, take pictures of every room in your home that was affected by the flooding. Be sure to get pictures of your water-damaged property. It's also a good idea to take a picture to document the depth of the flood waters. One way to do that is to place a ruler or measuring tape in the water, and take a picture to show how many inches of standing water you're dealing with. Since the water will begin to recede, you should take a picture of the depth, as soon as possible.

Remove Your Property

Once you've taken pictures of the water damage in your home, you'll need to start removing your property. Try to set up a staging area in your yard so that you can sort through your belongings, as you remove them from your home. You'll want to sort between items that are salvageable and items that will need to be discarded. It's important to note that you shouldn't throw anything away until your insurance adjuster gives you the go-ahead to do so. Throwing your belongings away before you're given the go-ahead may make it difficult for you to receive compensation for those items.

If your swimming pool fill valve has flooded your home, taking the actions described above will help you through the insurance claims and repairs process.

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