Mitigating Your Water Damage Insurance Claim

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.

What should you do when you suffer water damage to your home?  Start by mitigating your damages.

Typically, the homeowner gets home to find their home flooded.  Often the cause of the water intrusion is a broken pipe, a busted plumbing line, a water heater gone bad, water backing up into the house from a clogged pipe, refrigerator leak, etc.  You get the picture.

The first thing that you want to do is to mitigate the damage that you find.  Mitigation is a fancy term that basically means that you want to do everything that you reasonably can to prevent the damage caused by the water intrusion from getting worse.  This is very important as your insurance policy requires that you mitigate your damages.  In the example above, you would make temporary repairs to the cause of the water intrusion.  In other words, you would make repairs to the damaged plumbing to stop the water from continuing to flow into your home.  Call a plumber.  You would also dry all of the water that came into your home.  Often, homeowners hire water restoration companies to do this mitigation work.  The homeowner signs an assignment of benefits in favor of the restoration company, the restoration company does the work, and then bills the homeowner's insurance company directly.

You also need to notify your insurance company of the claim, promptly.  You want to document your claim and your communications with the insurance company, take photos or video of all damage, obtain estimates for needed repairs to your damaged home, safeguard proof of any money that you spend on temporary repairs, and seek professional claims help.

You can reach Miami Insurance Claims Attorney J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected].

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