Important Tips to File a Water Damage Insurance Claim in Melbourne

Water damage is a major concern for Aussies, and insurance claims related to it pose a significant challenge. Rapid changes in Australia’s climate, property structure issues, and sometimes negligence can all contribute to costly outcomes for everyone. Water damage restoration claims are among the most common types of home insurance claims, especially in Melbourne, Australia. However, filing these claims can often be challenging.  

If we focus on insurance claims for water damage, these are the percentages claimed:

• Burst pipes: 46% of claims
• Damaged roofs and old plumbing: 27.2%
• Overflowing baths, sinks, and showers: 13.4%
• Clogged drains: 13.4%
• Faulty flexi hoses: 8.2% 

Important! According to the Insurance Council of Australia, insurance claims from disasters in Australia have risen by 50% over the past five years, with 1.2 million homes at risk of flooding. Annual damages could reach A$8.7 billion by 2050. 

Here are some essential tips for smoothly filing a water damage insurance claim in Melbourne area.

Speak with your Insurance Provider

Record the Damage

It’s critical to record any damages as soon as possible when you encounter water damage in Melbourne. Maintaining an up-to-date home inventory and taking pictures or videos of the damage can help your insurance company when processing your claim.

Water damage in Melbourne area is frequently caused by burst pipes and leaking appliances. Maintain documentation of the appliance’s leakage dates and duration, as this will assist your insurance company in determining whether the damage is covered by your policy.  

Important! Always take proper safety precautions before capturing photos or videos of water damage. Switch off the main power supply to avoid electrical hazards.

Plan an Inspection

We all know that due to the local weather, Melbourne sees a high number of water damage claims. Finding leaks or dealing with water damage and property inspection can be quite difficult for the common person, so it is always recommended to hire professional and certified water damage repair and restoration experts or call your insurer. 

A professional inspection can help identify hidden water damage and provide a precise repair cost estimate. Hiring water damage repair experts ensures the use of advanced equipment for site inspection, delivering quick and accurate results. Infrared cameras are especially useful for professional water damage site inspectors in Melbourne to detect hidden water damage that may not be visible to the naked eye. By identifying these problems early, you can avoid thousands of dollars in future repairs. 

Important! When you notice a small leak or any other signs of water damage, take immediate action and inspect the entire site properly.

Submit a Water Damage Claim

It’s critical to file your water damage claim as soon as possible in Melbourne to prevent any delays in getting the money you need for repairs. Should the water damage be the consequence of carelessness, like ignoring plumbing problems, your insurance provider may reject your claim. Because of Melbourne’s humid climate, mould growth is a common concern that can result in expensive repairs as well as health problems. It is imperative to act quickly to stop additional harm and possible health issues.  Recall that mould can affect your insurance costs as well.  

The Comprehensive Loss Underwriting Exchange (CLUE) database is used by several Melbourne insurance companies to calculate the premiums for your policy.  Compile all required paperwork and think about employing a public adjuster to deal with insurance companies on your behalf to guarantee a successful claim. To make sure everything is handled properly, keep in touch with your insurance company at every stage of the procedure. 

Important! Be prepared with all the necessary paperwork for a smooth insurance claim.

Conclusion:

In Melbourne, Australia, don’t let water damage ruin your life. As water and flood damage are very common here, always be prepared for it. Take the best water damage coverage insurance policy and get expert advice and assistance to handle any type of water damage in residential and commercial places. Take immediate action to file a water damage claim with your insurance by following the instructions in this blog. 

Want professional assistance to claim water damage insurance and get your house back to how it was before the damage? Contact your local water repair and restoration partners, Victoria Hygiene. Allow our knowledgeable staff to support you as you navigate the water damage repair and restoration process and help you move past this trying time. Get in touch with us via our website or give us a call at 0423-442-459 to arrange your consultation and get your house back on track.