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How to Maximize Your Water Damage Claim

When your ceiling starts to drip or you return home to find your bathroom flooded, your first instinct might be to panic. Stop—don’t do that. Nothing good can come from overreacting. Plus, you have homeowner’s insurance, right? You can file an insurance claim to help fix any water damage that might have occurred, right? Yes, but you have to be wary—insurance companies want to keep your claim amount low. Here’s how to maximize your water damage claim and make sure it gets covered properly.

4 Steps to Maximize Your Water Damage Claim

1. Minimize the damage.

Large amounts of damage tend to be a little more difficult to claim—or at least they will leave you haggling with your insurance provider over dollars and cents. As soon as you realize you have water damage, take measures to minimize the damage. If it’s a leaking toilet or a busted hot water heater, call an emergency plumber. Soak up any excess water with towels while you wait to minimize damage to flooring. If you do nothing, your insurance company could possibly have the right to deny some or all of your claim, stating that you could have prevented some of the damage but did not intervene.

2. Document everything.

To assess your claim, your insurance provider will need evidence to prove that something occurred. While you are waiting for help, make sure to document all of the damage with your smartphone and make a list of anything that could have caused the water leak or flood. Video is more compelling than a photo. If you have that capability, make a video of the damage and talk through what’s going on and what’s been destroyed. Hand over copies of your evidence to the insurance adjuster when required.

3. Call a restoration company.

Unsure of what to do next? Call your preferred restoration company to ask about next steps. Insurers often push ‘preferred vendors’ onto anxious customers that are in a panic. By law, it’s your right to choose whatever home restoration company you want. Insurance companies, however, have a list of ‘preferred vendors’ and will often push these on you before you have time to consider. These ‘preferred vendors’ primarily work for the insurance company and don’t always have your best interest at heart.

4. Report it to insurance ASAP.

Then, call your insurance company soon after. You’ll want to put this high on your priority list. If you wait to call, they could deny your claim for being too late. Not sure if what’s happened will be covered? Planning to fix the damage yourself? Call anyway. Your insurance provider will be able to let you know if the damage can’t be covered, and there should not be any penalty for asking questions.

970 Services: Denver’s #1 Trusted Restoration Company

At 970 Services, we understand disaster situations and we’re Denver’s top home restoration company for a reason. Our team is always professional, attentive, and willing to go the distance for any and all of our clients in Denver and beyond.

If you are ever faced with a disaster, like a fire or a flood, remember to call a local, trusted home restoration company (like us!) first. Need assistance ASAP? Give us a call now at (970) 888-0970 or contact us online for a FREE estimate.

Located in Loveland, CO, we also offer home restoration service in the following areas: Fort Collins, Loveland, Ault, Greeley, Denver, Windsor, Boulder, Longmont, and throughout Northern Colorado.

970 Services in Loveland
102 S. Saint Louis Ave., Loveland, CO 80537
(970) 888-0970Company LogosGAF Master Elite Residential Roofing ContractorAccredited Business badge with BBB
  • I can’t recommend 970 Services enough! We had extensive hail damage & Andrew Golding came out & was so kind, grace filled & helpful. We had a hard time dealing with insurance & they partnered with me on the process making the roof replacement the easiest part of our hail damage experience. A++ you can’t go wrong! I absolutely would hire them again in a heartbeat.

    G. Lynn Avatar G. Lynn
    September 20, 2023
  • We are very pleased with 970 Services work and their customer service. Our roof was damaged from hail and needed to be replaced. Aaron worked with our insurance supplemental team and ensured we got the full amount that was owed to us. He also made sure the work was done correctly on our roof with a post inspection. Very professional and friendly. Thank you 970 Services for all your help! Definitely recommend!

    Ryan Singleton Avatar Ryan Singleton
    September 19, 2023
  • Steve and his crew have done several projects at our house (water remediation, painting, plumbing, minor electrical, etc.), and I would use them again in a heartbeat. They are professional, responsive, and do top quality work. Their detailed estimates show where every penny goes, and they let you know if something needs to change. It's a great feeling to know that I can reach out to Steve if there's a problem, and he'll find a way to solve it.

    Crystal Phillips Avatar Crystal Phillips
    August 23, 2023
  • We had a water leak from our hot water heater and our insurance company recommended 970 Services. I cannot tell you how great they were. Steve scheduled us quickly, did a very thorough inspection of damages, set up drying equipment and got things headed in the right direction. He then coordinated all necessary sub contractors for drywall, flooring, and even requested to be present when the insurance adjuster arrived so that they couldn’t skimp on us. This is the company you want to work with and I will never call anyone else! Thank you Steve & 970!

    Kyle Taylor Avatar Kyle Taylor
    April 11, 2023
  • WOW is the best word to describe our experience with this company and it’s employee’s! Talk about having integrity in what you do!!😃 The professionalism, attention to detail, craftsmanship and personable interactions blew my husband and me away. We have had plenty of not so good experiences and this company has restored our faith to trust a precessional to not only do their job well but to go above and beyond expectations. I’ve referred them to my family and friends and would refer them to any stranger. Thank you guys for taking such good care of our home! C. Rhamy

    Chris Rhamy Avatar Chris Rhamy
    June 9, 2022

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