Insurance

1. Understand Your Insurance Policy

Review Your Coverage:

• Know Your Policy: Take the time to read and understand your homeowner’s insurance policy. Obtain a certified copy of the original insurance policy from the underwriter. Familiarize yourself with the types of plumbing issues covered, such as water damage, burst pipes, and sewer backups.
• Coverage Limits: Be aware of the coverage limits and deductibles that apply to plumbing claims. This information is crucial for understanding how much your insurance will pay and what costs you may need to cover out of pocket.
• Check Endorsements: All policies vary and include various endorsements of coverage. If an endorsement is not on the policy, it will not be covered.
  • Types of Plumbing-related Endorsements:
    • Personal Property Replacement
    • Equipment Breakdown
    • Windstorm and hail
    • Water Damage
    • Water Backup (Sewer)
    • Foundation Repair
    • Service Line Coverage

2. Document the Damage

Gather Evidence:

• Take Photos and Videos: As soon as you discover a plumbing issue, document the damage with photos and videos. Capture all affected areas, including visible damage to floors, walls, ceilings, and personal property.
• Keep Records: Maintain a detailed record of events, including dates and times, when the damage occurred, and any actions taken to mitigate the problem.

3. Contact Your Insurance Company

File Your Claim Promptly:

• Report the Damage: Notify your insurance company as soon as possible. Provide them with all necessary documentation, including photos, videos, and your detailed record of events.
• Ask Questions: Inquire about the specific steps required to process your claim. Ask about any additional documentation needed and the timeline for the claims process.

4. Mitigate Further Damage

Take Preventive Measures:

• Temporary Repairs: Take immediate action to prevent further damage. This may include shutting off the water supply, repairing leaks temporarily, and removing standing water.
• Professional Assistance: Contact George Plumbing Co., Inc. for professional advice and emergency plumbing services to address urgent issues and prevent additional damage.

5. Get Professional Estimates

Hire Licensed Plumbers:

• Obtain Estimates: Request detailed repair estimates from licensed plumbers. These estimates will help substantiate your claim and provide a clear picture of the repair costs.
• Choose Reputable Contractors: Ensure that the plumbers you hire are reputable and experienced. George Plumbing Co., Inc. offers reliable and professional services to help you through this process.

6. Communicate with Your Adjuster

Work with Your Adjuster:

• Inspection: Schedule an inspection with your insurance adjuster. Be present during the inspection to answer questions and provide additional information.
• Stay in Touch: Maintain regular communication with your adjuster throughout the claims process. Keep them updated on any new developments or additional repairs needed.
• PUBLIC ADJUSTERS: Public adjusters are available to the customer to represent them against the insurance compnay and any unfair denials.

7. Review Your Settlement

Understand Your Payout:

• Settlement Details: Carefully review the settlement offer from your insurance company. Ensure that it covers all necessary repairs and related expenses.
• Negotiate if Needed: If the settlement is insufficient, don’t hesitate to negotiate. Provide additional documentation and estimates to support your case.
• Insurance Attorneys: If you must take the case further, there are attorneys that specialize in insurance claims. Sometimes all it takes from the insurance company to cooperate is a letter from the attorney.