How to make a successful water leak insurance claim in the USA 2022. Easy Steps

Many of us have experienced the problem of a water leak, and we know how difficult it can be to live within an apartment building and have to deal with the water damage that comes with it. With many buildings experiencing these types of problems, insurance companies offer more options for those who want to make claims on their policies. These companies offer benefits such as payment extensions, rental assistance, and even replacement apartments.

In this blog, I’m going to give you some tips on making a successful claim. You’ll learn what you need to do beforehand, how to document your claim, what mistakes people make that they shouldn’t, and finally what to expect from your insurance company after submitting a claim.


What to do after a water leak

There are a few things you should do before a water leak to make sure your claim goes smoothly.

Check if your insurance policy covers water damage.

-If the entire building is insured, be sure to keep track of which apartment has a leak and the address.

-Know what your deductible is if you have one and make sure you have enough money saved up to cover it in case you need to file a claim.

Know what insurance company to address. If a plumber made a mistake, you might have to contact his/her insurance company instead of yours.

-Make sure your identity is verified if you’re making a claim through insurance or an agent.

How to document your claim after a bathroom leak

Before you make your claim, it’s important to document everything. You should document the damage caused by a leak and make note of what caused the problem. Be sure to include photographs or any other evidence that might help your case. The better your documentation is, the less likely your case will be denied.

This can be done in a number of ways and will help with your claim. Many people take pictures just after the leak, which is great because it will serve as evidence to show the extent of your damages. The other option is to wait until the apartment is dry and then document what was damaged. If possible, use both methods so that you have proof of everything in case there’s any dispute with your insurance company.

Another important thing to remember before making your claim is to keep all receipts for anything you purchased related to the leak like buckets, mops, or even pizza for your neighbors who have been helping out during the cleanup. This way you’ll have all the information necessary for your claim and it will be more likely that you’ll get paid back for these expenses.

Another tip is to keep a notebook around so you can write down any numbers or information that could be helpful in making your claim. For example, if you’re waiting for a water bill, take note of when it comes every month and try to keep track of how much water you used in the month before it got damaged.  This can include contracts with service people, emails from the property managers, and any other documentation that could help substantiate your claim.

Photo by Jess Bailey on Unsplash

It might also be a good idea to have someone else watch over things while you’re out of town or on vacation because this can help with documenting everything that happens while you’re gone. If something happens while someone is watching over things, they’ll be able to document what happened just in case anything happens when you’re not home and there’s no one there to do so.

Does homeowners insurance cover plumbing? Avoid these mistakes

Homeowner insurance often covers plumbing issues such as leaks or overflows. You have to read your policy to see what is covered and how much your deductible is. It is also essential that you avoid common mistakes.

There are a lot of things that go into making a successful claim, and there are many ways to make mistakes. You have to keep track of your insurance company’s instructions, which can be difficult when you’re dealing with water damage. Contact your insurance company before you make big repairs as they might want to send an inspector to verify the damage.  You can repair the pipes and so on but repairs such as painting might have to wait. Therefore it is important that you contact your insurance company as soon as possible. 

You need to remember the specifics of your policy and the steps involved in submitting a claim. If you don’t document this information properly, it can lead to complications such as lack of payment or not enough coverage for your claim.

Overall, it’s important that you know what you’re doing before you start making claims on your insurance policy. This is because there are many things that go into making a successful claim and if you’re not prepared, it can lead to more problems than solutions. If you don’t like collecting documents, you might ask assistance from your insurance broker if you worked with one. 

If your claim happens at the end of the fiscal year of the company, they might want to pay out less as they have to stay within their budget for that year. Therefore it might be interesting to wait a few days if they are nearing the end of their fiscal year. At the beginning of a new fiscal year, the insurance company might be willing to pay more as they are not hitting their budget limits. 

Photo by Sharon McCutcheon on Unsplash

You can try to find leverage such as contacting other customers with this insurance company to see if you can get the insurance company to move faster. Being able to bring your claim up the chain in the insurance company can get you a faster payout.  If you work with a broker, you can discuss with them what the best strategy is to get things moving faster. This obviously depends on the extent of the damage and small claims are often less urgent than enormous claims.  You can also hear around to see how your insurance company functions. Some companies are very generous while others try to lowball you. Get legal assistance if needed.

What happens after you submit the claim

Water damage can be extensive, from electricity to furniture. Make sure that you document everything the first time. Adding new information, later on, might slow the process down.

What happens after you submit the claim varies with each company. Some companies will give you a clear indication of what they’re going to do with your claim. But if not, then you’ll just have to wait it out and see what happens. You should also make sure that you have enough documentation for your claim so that no room is left for questions.

The most important thing to remember is that insurance companies offer benefits such as payment extensions, rental assistance, and even replacement apartments. They also often provide financial compensation for damages. You may need to wait a bit longer than expected before receiving this compensation depending on the severity of your water leak problem and how quickly you submitted your claim. Ask for these as you might get them. Be sure to follow up every month to see where they are in their procedure.

How long do you have to wait?

The amount of time it takes to make a claim depends on your insurance company.

Some companies have an 18-month waiting period while others offer the option of making a claim within 90 days. Try to find out how long you’ll be waiting before you go ahead with your repair or replacement.

How much money can you expect to get?

The amount you’ll get back usually depends on how much damage you had to deal with and the size of the building.

If you want a rough estimate, you can expect to get between 10-30% of your policy’s value back. The larger the building and the more damage, the more money you’ll be able to recover. If you have a claim with a large building, it might take longer for them to complete their investigation and decide on whether or not they’d like to give you money back.

Sometimes you might have to take further legal actions against your insurance company. They might settle for more than what they are currently offering. 


The tips I shared will help you make a successful claim, and it’s important to know that it may take some time for your claim to be processed. Remember to document everything in the beginning so that you don’t have to do it all over again later. 

To make sure that your claim is successful, follow these steps:

1) Find out if your plan has an extended payout option

2) Take pictures of the damage (in case there are questions about what happened)

3) Prepare for any questions that arise from your insurance company’s investigation

4) Document every step of your process in detail

5) Make sure everything is submitted properly

6) Expect a long wait time before getting paid