Questions to take to your insurer after a water-related loss. The right decision depends on where the water came from, the affected materials and whether the area is safe to enter.
Identify where the water came from
Whether water came from a leak or from outside matters to the insurer’s assessment. Record the cause if you know it, but do not guess.
Document the condition
Keep photographs, notes and relevant communications. Follow the instructions your insurance company gives you for submitting a claim.
Ask about the right policy
Water from a nearby waterway may require a separate flood policy. Your insurer decides whether your own policy applies.
Separate cleanup from coverage
Discuss the property’s immediate needs without assuming the insurer will approve a particular service or payment.