How to File & Navigate a Water Damage Insurance Claim in Oakland County

Proper documentation is the backbone of a strong insurance claim. These steps help ensure your insurance company has everything it needs to approve and accurately value your loss.

Step 1: Make the Area Safe & Stop the Water Source

• Shut off water supply if possible.
• Avoid electrical hazards.
• Take precautions if standing water is present.
• Call Emergency Restoration Company before an incident occurs to learn how to do this.

Step 2: Photograph & Record All Damage

• Capture wide shots, close-ups, and different angles.
• Document walls, floors, furniture, personal items, and structural damage.
• Include photos of the water source (burst pipe, soaked carpet, ceiling stains).
• Make sure photos and videos are timestamped.
• Emergency Restoration Company will perform all of these services for you.

Step 3: Inventory Damaged Items

• Create a spreadsheet and photos listing each item, its value, age, and condition before the water damage.
• Keep original purchase receipts, if available.
• Take photos of labels, serial numbers, and model tags.

Step 4: Keep All Receipts for Emergency Repairs

Examples:

• Temporary lodging
• Food expense
• Pet care

These often fall under Additional Living Expenses (ALE), which many policies reimburse.

Step 5: Do Not Discard Damaged Items Yet

Insurance adjusters may need to inspect them in person before approving the claim.

ER  holds property in climate controlled  building.

Step 6: Notify Your Insurance Company

• Call Emergency Restoration Company first, your damage may look bad but may be less than your deductible and no claim may be needed.

Most Michigan policies require reporting within 24-48 hours.
Request:

• A claim number
• Your adjuster’s direct contact information
• A copy of your policy or declarations page

2. Understanding Your Policy and Coverage

Water damage coverage varies widely. Knowing what your policy includes – before or during a claim, prevents surprise denials.

Water Damage vs. Flood Damage in Michigan

These terms are not interchangeable:

• Water damage (covered by most Michigan homeowners policies): burst pipes, appliance leaks, roof leaks from storms, overflow events.
• Flood damage (NOT covered unless you purchased flood insurance): groundwater, rising water, weather-related flooding.

What Homeowners Insurance in Troy, MI Typically Covers

• Sudden and accidental water discharge
• Storm-related roof leaks, hail, ice damage and wind
• Plumbing and appliance failures
• Sump pump overflow (only if you have a backup/overflow endorsement)

Coverage Areas to Review on Your Policy

• Dwelling coverage (A): structural repairs
• Personal property (C): belongings and valuables
• Additional Living Expenses (ALE): hotel stays, meals, transportation
• Endorsements: sump pump failure, sewage backup, mold remediation
• Exclusions: long-term leaks, wear and tear, maintenance issues

Flood Coverage in Oakland County

If water comes from outside your home, weather-related flooding, rising groundwater, overflowing lakes, claims must go through:

• NFIP (National Flood Insurance Program)
• Or a private flood insurer