How does a home water damage claim work?

Stage 1: Mitigation

A drying company extracts standing water, removes wet materials that cannot be saved, and sets air movers and dehumidifiers. Drying typically takes several days, with moisture readings each day. Ask for copies of those readings and photos, since they justify the bill and prove you acted quickly. You can choose the company; the insurer may suggest one but cannot require it in most cases.

Stage 2: Adjuster inspection

The adjuster confirms the cause and how long the water was present, measures the affected areas, and reviews the mitigation work. For roof leaks, make sure the exterior source is inspected, not just the rooms below.

Stage 3: Estimate and payment

• Mitigation is often paid directly to the drying company or reimbursed to you.
• Rebuild costs are paid on an estimate, commonly actual cash value first with depreciation released after repairs.
• Belongings and extra living expenses are handled under their own coverages.
• Your mortgage company may be named on larger checks. See mortgage company insurance checks.

Stage 4: Rebuild and close out

Repairs are completed, final invoices go to the insurer, and remaining depreciation is requested. Keep everything until the claim is closed.

Common sticking points

Disputes over cause, mold that grew during delays, and drying bills the insurer thinks are too high. Documentation answers all three. See interior water damage from roof leaks.