How to make a successful water leak insurance claim
A well-prepared water leak claim is prompt, documented and organized. Stop the leak, report it quickly, photograph the damage before cleanup, keep the failed part, dry the property and keep every receipt and message in one place. We cannot promise an outcome, but a clear file helps.
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The steps, in order
- Stop the leakShut off the water and make the area safe. Note the time and what you did.
- Report itCall your insurer or broker, get a reference number and ask what they need from you.
- DocumentPhotos and video of the leak source, the wet materials and the belongings, taken before cleanup.
- Protect the propertyRemove standing water, move contents and begin drying. Keep every receipt.
- Get a written scopeA restoration company can provide readings, photographs and a scope and price to share with the adjuster.
- Keep everything togetherOne folder for photos, receipts, emails and call notes, with dates.
Why the leak source matters
Adjusters look for the cause. A leak from a failed fitting can be shown with the part itself, plus photos of where it sat. A slow leak behind a wall is harder, which is where moisture readings and a clear description of what you noticed carry weight.
Do not repair or throw away the failed part before the insurer has had a chance to see it. If a plumber replaces it, ask them to hand the old one over and note what they found.
Mistakes to avoid
The usual problems are waiting too long, cleaning up before photographing, discarding damaged items without a record and letting water sit while waiting for a call back. Another is accepting a vague description of the work. Ask for a written scope that lists rooms, materials and steps, so you can compare it with what the adjuster sees.
It also helps to be accurate rather than dramatic. A short, factual description of what happened and when is more persuasive than a long one. See our guide to property damage claim documentation for what a complete file looks like.
What a restoration company adds
We are a restoration contractor. We do not decide claims, and we work with all insurance companies.
- A free assessment with photographs and moisture readings
- A written scope and price
- Emergency work and drying that limits the damage
- Direct billing to the insurer, when you ask us to
- Updates to the file as conditions change
A note on contents
Belongings need the same attention as the structure. Photograph them, list them and keep damaged items until the adjuster has seen them or agreed to their disposal. Our contents and pack-out page explains how we protect and clean them.
Related questions
Should I hire a public adjuster?
That is your decision. Some owners prefer one for large or disputed losses. We do not give advice on that choice, and we work the same way either way.
How long should I keep records?
Keep them at least until the claim is closed and the repairs are finished, and longer if you may sell the property.
Will you speak with my adjuster?
Yes. With your permission we share the photographs, readings and scope with your adjuster.
Request a quote
Tell us what you need and we will get back to you. In a hurry? Calling is fastest.
Need help after water damage?
Call us and we will arrange a free assessment, then give you a written scope and price.
Call now (416) 272-3881