Have you ever had an issue with your water heater? When a water heater fails, it can spell disaster for your home or commercial property. In fact, leaky / blown water heaters are one of the most common causes of non-weather-related water damage.
But here is the good news: in most cases, your property insurance policy WILL cover damages related to a failed water heater, just as long as you can prove that the incident was not the result of negligence. However, in order to show that the failure of the water heater was not your fault, you will likely need to provide some evidence to your insurer.
Here are 4 tips to help get your claim approved:
Document the Cause of the Failure
One key to filing a successful water damage claim from a water heater is showing the cause of the failure. Having a professional public adjuster on your side can help with this step. You will want to document the point of failure with photographs to support your claim. It is important to make sure that everything is documented correctly BEFORE you begin repairing or replacing the unit. If the issue cannot be confirmed prior to the unit being replaced, it becomes much harder for you to prove your claim down the road if challenged.
Provide Copies of your Warranty
In some cases, the water heater’s manufacture warranty will cover not only replacement of the unit, but also any resulting water damage to your home in the event of a failure. Make sure you keep your warranty information in a safe location where you will be able to retrieve it if a situation arises.
Keep Records of Everything
Keeping good records is always a best practice when it comes to property insurance claims. That includes all maintenance records. In the event something goes wrong with any appliance in your property, having detailed records will demonstrate that you have done your job in keeping up with proper maintenance on the unit.
Contact a Public Adjuster for Help
Insurance companies love to find any way to deny a property insurance claim. Remember, when your insurer sends their adjuster to your home to inspect the damage, that adjuster works for THEM. Enlisting the help of a Public Adjuster to advocate for you ensures a level playing field. Public Adjusters settle insurance claims every day and know all the tricks that insurers use to try and avoid paying out.
Have questions about your property insurance claim? Feel free to contact Stark Loss for more information about how a Public Adjuster can help.