Experiencing Water Damage During a Remodel
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We’ve been in the midst of a major home renovation for several months now. Recently, I reached out to my insurance company about upgrading our policy and was informed that we need to switch to a builder’s policy. I am currently in the process of making that change when I received a call from a city worker who informed me that he had to shut off our water. Apparently, 200,000 gallons were recorded on the meter, and he noticed water flooding in the bathroom when he looked through the window. Since the house is vacant due to the ongoing renovations, it’s a bit more complicated. Thankfully, the damage doesn’t appear to be too severe, and I’ve turned the water off while I work on drying things out and assessing the situation.
I’m seeking advice on what to expect if I file a claim with my insurance company. Given that the house is vacant and I’m in this transitional phase, could that complicate things for me? Any insights would be greatly appreciated!
Thank you!
I’m sorry to hear about the water damage during your remodel! It sounds like a really stressful situation. When it comes to filing a claim with your insurance company, there are a few things to consider:
Vacancy Clause: Many insurance policies have a vacancy clause that can affect coverage if the home has been unoccupied for a certain period. However, since you were actively remodeling, this might be viewed differently. It’s essential to review your current policy and speak with your insurance agent about how this specific situation might be handled.
Builders Policy: Since you’re in the process of switching to a builders policy, it’s critical to clarify with your insurance company what coverage will apply during the remodel. Make sure to explain the situation fully to ensure you have the appropriate coverage for both the renovation and the water damage.
Documentation: Document everything—take photos of the damage, keep receipts for any work done during the remodel, and make a detailed list of damaged items. This will be essential when filing your claim.
Assessing Damage: As you assess the damage, be aware that if repairs need to be made immediately (like drying out the area), you should take steps to mitigate further damage. Insurance companies typically expect homeowners to act to prevent additional loss.
Consult a Professional: It might be beneficial to consult with a public adjuster who can help you navigate the claims process, especially since you’re in an unusual situation with the remodel.
Claim Process: Be prepared for the claims process to take some time. Once you file, an adjuster will likely come out to assess the damage.
Ultimately, it’s vital to communicate openly with your insurance company and provide them with all the necessary information. It’s understandable to be concerned about potential coverage issues, but being proactive and informed can help you navigate this challenging situation. Good luck, and I hope things get resolved quickly!