How to File a Water Damage Insurance Claim
Dealing with water damage is already stressful — and navigating the insurance process can make things worse if you’re not sure where to start. At EcoRestore Water Damage & Restoration, we help Draper homeowners through the insurance claim process to ensure they get the coverage they deserve.
Step-by-Step: Filing a Water Damage Claim
1. Act Quickly and Document the Damage
As soon as water damage is discovered, begin documenting everything. Use your phone to take clear photos and videos of:
- ✅ The source of the water (if known)
- ✅ Damaged walls, floors, ceilings, and belongings
- ✅ Any mold growth or structural issues
This documentation is critical evidence for your insurance adjuster.
2. Stop Further Damage
Your policy requires you to take “reasonable steps” to prevent more damage. Turn off the water source (if safe), and call professionals like EcoRestore for emergency water removal.
3. Contact Your Insurance Company
Call your insurer’s claims department or use their online portal. Provide the following:
- 🧾 Your policy number
- 📅 Date and time of the incident
- 📍 Location and description of the damage
Be honest and clear, but avoid admitting fault or cause — let the adjuster make that determination.
4. Schedule an Adjuster Visit
An insurance adjuster will assess the damage. You have the right to have your contractor (like EcoRestore) present to ensure nothing is missed or undervalued.
5. Get an Estimate and Begin Repairs
We’ll provide a detailed, itemized estimate using insurance-approved pricing (Xactimate) and submit it for approval. Once authorized, we begin restoration immediately.
6. Track All Communication and Expenses
Keep records of calls, emails, receipts, and contractor paperwork. This helps in case of disputes or if you need to file for supplemental claims.
What’s Typically Covered?
Most homeowners policies cover sudden and accidental water damage, including:
- 💧 Burst pipes
- 🚽 Overflowing toilets or appliances
- 🏠 Roof leaks from storms
Note: Flooding, gradual leaks, and sewer backups may require separate policies.
Need Help Filing a Claim?
EcoRestore works directly with all major insurance companies. We help Draper homeowners through the process from start to finish — no guesswork, no stress.
Serving Draper and Nearby Communities
Our water damage experts support insurance claims in:
Start Your Claim With Confidence
Contact EcoRestore or call 385-289-3588 for help filing your insurance claim and beginning water damage repairs.