If you have ever experienced a problem in your home, whether it was a flood, fire, earthquake, or other disaster, you can appreciate the need to maintain a current homeowners insurance policy. The experience is often frightening and overwhelming, and people may not know where to turn for help.
If you come home to find a broken pipe is flooding your house with dirty water, the first thing to do is to try to stop the water from continuing to flow into your home. You can do this by shutting off the water and/or calling an emergency plumber.
The next step is to contact your homeowners insurance provider. A skilled rep will help you understand the process of filing a claim, and will send someone to assess the damage immediately. In some cases, they will also give you a list of preferred disaster clean-up vendors, who will help dry out water and prevent mold, or remove dangerous and potentially toxic substances from the home before they start the repairs. Once the area is cleaned and ready for repair, your insurance can help you find a qualified professional who specializes in the type of work that needs to be completed.
With a good homeowners insurance company, your worries can disappear as you work through the process of repairing the damage. You will often work with one person throughout the experience, making it easier to ask questions and get answers during this difficult and emotional time.