How to File an Insurance Claim After Water Damage in Your Northern Minnesota Home

Any sort of property damage is an overwhelming ordeal for homeowners. No matter where you live, whether here in Northern Minnesota or elsewhere in our country, no one should face water damage alone. For many, the hope they rely on lies with their homeowner’s insurance policy. Unfortunately, insurance providers aim not to pay anyone more than necessary. As such, there are numerous types of water damage that are simply not covered under your policy. Still, you need to give it a chance. Here is how to file an insurance claim after water damage to your property.

How to File a Water Damage Insurance Claim

One of the most common homeowner insurance claims is for water damage. When you know that water damage is the most common type of property damage in the country, this makes sense. Whether your home was flooded by rain or a broken pipe in the wall, notify your insurance company. Here’s how to handle the insurance claims process:

  • Call – First and foremost, call the insurance company and alert them to the water damage situation.
  • Prevent Additional Damage – Next, do your very best to prevent additional damage. You are advised to board up broken windows, tarp holes in the roof, shut off the water, and remove what water you can without damaging the structure or harming yourself.
  • Record – Whenever possible, record proof of the water damage. Take pictures and videos of the damaged property. You will want indisputable evidence for your water damage insurance claim.
  • Review Your Policy – If you have a copy of your insurance policy nearby, consider reviewing the fine print. Many homeowner’s insurance policies do not cover gradual water damage, but do cover accidental or sudden damage from storms and the like.
  • Inventory – Afterward, make a detailed inventory of damaged possessions. You will wish to receive reimbursement for any damaged items caused by a flood or water damage. Having a detailed list makes it easier to account for everything.

Water Damage Claims Process

Once you have an opportunity to notify your insurance company, wheels are put in motion behind the scenes. The insurance company is likely watching the situation carefully, especially for a storm region. Here’s a few steps the insurance company will take:

  1. The insurance company will dispatch an adjuster to inspect the damage within two weeks of receiving written notice regarding your water damage. Be sure you are home when the adjuster arrives, to answer any questions or concerns.
  2. The company will provide, in writing, your policy coverage for sustained damage. If the claim is accepted, you will receive a check for the estimated cost of repairs, minus depreciation and deductibles.
  3. If the claim is denied, you may demand written explanation as to why, and speak with a licensed public adjuster to resolve the problem.


For comprehensive water damage restoration, contact Restoration 1 of Northern Minnesota. Give us a call day or night for restoration, repairs, and cleanup.

About The Author

Patrick McBrady is the owner of Restoration 1 of Northern Minnesota. Pat has more than five years of professional restoration experience and 24 years of management experience, and he has received certifications from the IICRC and the ACAC.

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