Need To Hire a Professional For Filing Insurance Claims in Chicago and Evanston, IL

Posted by Musick Loss Management Adjusters on December 11th, 2022

A home is the greatest asset of an individual. It is essential to protect it at all costs, preferably by buying the required insurance coverage. Sadly, even the best plans fail at times. Encountering a disaster, such as a fire outbreak or water retention indoors, can lead to multiple problems. One's life is jeopardized as well. While dealing with the repairs ASAP is necessary, the expense may be too enormous to bear alone. Claiming insurance can be beneficial in such cases. The insured person would do well to hire a public adjuster for filing the necessary water damage claim in Chicago and Deerfield, IL, instead of relying on the efforts of the insurance company alone.

Instant Solution

Finding water indoors is indeed an alarming situation, especially when one remains unaware of the source of the leak. Heavy thunderstorms and floods may also result in after-damage, as would a burst pipe. The first thing that needs to be done in such circumstances is to shut off the flow of water at the source. This implies closing the main valve and turning off every appliance that utilizes water. It is a good idea to install a water leak detection system and automatic shutdown valves. Such a move is a precaution worth the expense. This prevents excessive water damage and compels the insurance company to fulfill the claim as needed.

Insurance Carrier

It is common knowledge that instances of water damage are far greater than damages due to fire and hurricanes. Assuming that the insurance carrier would compensate the restoration cost would be a mistake. One would have to carefully review the insurance documents to determine whether the carrier would cover the present water damage.

Without going into the nitty-gritty, it is essential to note that the insurance company pays compensation for water damage for sudden incidents that cannot be predicted. Damages caused due to poor maintenance and deliberate damage are not considered. The insured person has to buy a separate policy to cover flood damage. A homeowner's insurance does not include flooding.

Included Damages

· Sudden or accidental plumbing problems

· Damaged appliances causing water damage

· Frozen or burst pipes

· Roof leaks

· Ice dams

· Vandalism

Damages Not Covered By Home Insurance

· Groundwater flooding in the basement

· Flood water inside the home

· Sewer backup

· Leaky, corroded pipes

· Poorly maintained roof that leaks

· Leaking faucets or toilets that have never been repaired

· Mold infestation or fungi and rot resulting in erosion of structures that lead to water damage

One cannot wait for the insurance company representative for days as the water damage is sure to worsen. However, it is important to have photographs of the damaged area as proof before hiring professionals to begin the restoration process. It also makes sense to hire a public adjuster to negotiate with the insurance carrier and obtain the right sum against the insurance claims in Chicago and Evanston, IL.