No matter if you are living in a household or apartment, having your utilities in working order is a blessing. Fixing these utilities can be costly, depending on where you live. Even with the appropriate insurance covering your bases, out-of-pocket expenses may still be incurred.
Since life is bound to not go as expected, you may experience water damage in one of your living spaces. If this happens in your kitchen, you should file an insurance claim immediately. How exactly does this work, and will your claim be approved by the respective company?
Read on to discover the most important things to know about insurance claim for water damage to kitchen:
1. Types Of Water Damage
Not all types of water damage were created equally. You may have a broken pipe under your sink, or your kitchen may become damaged via an outside storm. It is important to first know how your kitchen experienced water damage before moving forward. Many home insurance policies can cover this damage in differing ways.
For example, if your kitchen was affected by the aforementioned storm, most policies usually offer coverage. In other circumstances, there may be sewage build-up spewing out of your kitchen faucets. You will more than likely be covered; this situation is also protected through an applicable policy.
2. Gradual Water Damage
As it pertains to water damage, some insurance products may not offer comprehensive coverage. This comes down to other factors, particular in regards to what is known as gradual damage. In essence, gradual damage refers to an issue that is minor, but exacerbates overtime.
This poses to be a substantial problem, specifically because this issue can go largely undetected. When the problem worsens beyond repair, some insurance companies will prevent you from making a claim. Worse yet, you may have to fully pay out-of-pocket in order to fix the gradual damage-related issue.
3. Coverage For Gradual Damage
The problem, as it relates to water-related gradual damage in your kitchen, lies with your insurance. Since most insurance products cover accidental or spontaneous damages, you may be out of luck with this situation. However, just because it may seem impossible, does not mean it is improbable.
It all has to do with the fine print in the insurance contract. Go over the minutiae of your policy, and look at how your water damage claim can be affected. If it does not mention the extent of water damage experienced, you should be covered. All other inquiries should be discussed with your respective company, if need be.
4. Maximizing The Claim
In order to extend the effectiveness of your claim, you’ll need to keep records on hand. The power of our smartphones, in today’s society, allows us to do just that. The moment you recognize that your kitchen utilities have been afflicted by water damage, take videos and pictures.
The more evidence you present to your insurance company, the better your chances of the claim going through. Moreover, do your best to control the water damage as much as you can when it occurs. Hold off on huge repairs, until your claim has gone through. This prevents you from paying more than you should, while your insurance provides applicable coverage.
5. Claim Denial
If the worst possible outcome occurs, there may still be some hope ahead! If your claim is denied for whatever reason, always ask for a full and detailed explanation. In regards to water damage in your kitchen, you may be able to take it up with a different party in the company.
Allowing your claim to be reviewed by all parties provides you with a better chance of gaining coverage. Don’t be afraid or stressed out to pursue it; you are paying a lot for your insurance product after all! With enough persistence, there may exist an opening in which your water damage claim can go through.
6. Regular Maintenance
Even before you file a claim for water damage in your kitchen, you should always do regular upkeep. Ensure that all pipes are in working order, and protected from external elements. If you hear audible drips coming from the sink, take the necessary measures to fix it yourself. Inspect every nook and cranny, as carefully as you can.
Corroded pipes in your kitchen, although fixable, may require a more intricate repair. At this point, you should contact your insurance company, and file your claim. However, with regular maintenance done every so often, you’ll prevent the worst-possible scenario from occurring!
If water damage occurs within your kitchen, your claim can be affected considerably. Therefore, it is always in your best interest to know the details of your particular insurance product. Ask the questions that come to mind, in order to receive the reassurance you need. When disaster strikes in the kitchen, you’ll be prepared as much as you possibly can!