Each year, there are between 200,000 and 500,000 people who are victims of water damage. These are situations which imply that the occupants of the premises cannot stay in their accommodation for a period of up to several days. By acting effectively and calmly, you will be able to resolve the problem as quickly as possible.
- Finding And Repairing The Leak
A leak can have various origins; it can come from your place of life or another location. When you discover the leak, and that it does not come from your home, it could be that it comes from common areas or neighboring accommodation. In any case, immediately notify the syndic so that he can take immediate measures.
If the leak comes from your home, be sure to immediately cut off the electricity and water before opting for local water damage cleanup services.
- Declaration Of The Claim To The Insurer
The deadline for declaring a claim is relatively short, generally between 3 and 10 days. You must imperatively declare the claim by registered mail with acknowledgment of receipt to your insurer.
In the letter, you must specify various elements such as the address of the incident, a description, the suspected cause, the damage observed, and in the event of an incident caused by a third party, the contact details of this third party, and those of its insurance.
- Establish An Estimate For Repairs
To start repair work, it is important to quantify the costs. Your insurance will send you an estimate by mail. However, you can also mandate an independent expert who will calculate the estimated amount of compensation necessary to cover damages and damages.
All costs must be borne by the insurer of the person responsible for the flood. In all cases, be sure to keep proof of the damage to attach it to your claim.
- Make Repairs
Once the expert appointed by the insurance has completed his report and your company accepts the conclusions of the latter, you can initiate repair work in your accommodation.
Based on your declaration of loss, the insurance company sends you a letter with a proposal for compensation (unless the loss comes from damage caused by a lack of maintenance).
If you accept it, you will receive compensation directly from your insurer, under the conditions of your insurance contract and against presentation of invoices. Once the payment has been made, the claim is considered to be classified. If the claim comes from a third party, the latter’s insurance must pay you the amount of compensation.