How to Handle Insurance Claims After Water Damage in Your California Home

Water damage can strike unexpectedly — from burst pipes, roof leaks, or appliance failures — and navigating the insurance process can feel overwhelming. Knowing what to do immediately after water damage occurs can make all the difference in getting your claim approved quickly and fairly.

1. Document Everything Immediately

As soon as it’s safe, take detailed photos and videos of all affected areas before any cleanup begins. Capture the source of the water (if visible), damaged materials, and any personal property affected. This documentation will serve as critical evidence for your claim.

2. Stop the Source and Prevent Further Damage

Your insurance company expects you to take reasonable steps to prevent the situation from worsening. Turn off the main water supply if necessary and call a professional water damage restoration company right away. They can help with emergency mitigation to prevent mold and structural issues.

3. Contact Your Insurance Company Promptly

Notify your insurance provider as soon as possible. Open a claim and ask for your claim number and the contact information for your assigned adjuster.

4. Work with a Licensed Restoration Contractor

A professional restoration company can help you navigate the process by providing a detailed estimate, communicating with your adjuster, and ensuring that repairs are performed according to insurance standards and building codes.

5. Keep Track of All Expenses

Save receipts for temporary housing, mitigation costs, and any repairs you make out-of-pocket. Many of these may be reimbursable under your policy.

Final Tip

Dealing with insurance after water damage doesn’t have to be stressful. Partnering with an experienced restoration company ensures your home is restored quickly, your claim is supported with proper documentation, and you receive the coverage you deserve.