Dealing with water damage is stressful enough—navigating the insurance claim process shouldn’t make it worse. If you live in Perry, GA and have experienced a flood, burst pipe, or leaking roof, understanding how insurance works can make a big difference in what gets covered and how fast your life gets back to normal. Here’s what you need to know to protect your home and your wallet.
What Homeowners Need to Know About Coverage
Not all water damage is treated equally by your insurance provider. In most cases, sudden and accidental damage—like a burst pipe or a malfunctioning appliance—is covered under a standard homeowner’s policy. However, flood damage caused by rising water from outside usually requires separate flood insurance.
Typical covered incidents include:
- Pipe bursts
- Overflowing tubs or sinks
- Water heater leaks
- HVAC system malfunctions
Uncovered situations might include:
- Gradual leaks from poor maintenance
- Groundwater flooding (without flood insurance)
- Mold growth from long-term moisture issues
Knowing what your policy does—and doesn’t—cover is critical before a disaster strikes.
Documenting Damage for Your Claim
The moment water damage occurs, start documenting everything. This not only helps you get reimbursed faster, it can also prevent disputes with your insurance provider.
Here’s what to do:
- Take clear, dated photos of all damage—walls, floors, furniture, electronics, etc.
- Make a list of affected items, including their estimated value and age.
- Don’t throw anything away until the adjuster has seen it.
- Keep records of repairs and professional estimates.
RightAway Restoration can assist with this step by providing professional documentation, damage assessments, and a full report for your claim.
How RightAway Works with Insurance Companies
We’re not just a water damage restoration company—we’re your advocate throughout the claims process. Our team works directly with insurance providers in Perry to streamline approvals and get your restoration started as quickly as possible.
Here’s how we help:
- Provide a detailed, itemized estimate
- Communicate with your adjuster to verify scope
- Supply photo documentation and moisture readings
- Answer questions from your insurance rep to keep the process moving
We’ve worked with most major insurers in Georgia, so we know what they need—and how to deliver it fast.
Avoiding Common Claim Pitfalls
To avoid delays or denied claims, steer clear of these common mistakes:
- Waiting too long to report the damage—most policies have strict time limits.
- Attempting DIY cleanup without professional documentation.
- Failing to prevent further damage—if you don’t take steps to mitigate, your claim could be reduced or denied.
- Not reading your policy closely—know your deductible and coverage limits.
With RightAway Restoration by your side, you’ll avoid these pitfalls and stay ahead of the process with confidence.
If water damage hits your Perry home, don’t navigate insurance alone. Call RightAway Restoration at 478-309-2117 or email info@rightawayrestoration.com. We’ll respond fast, restore thoroughly, and help you get the claim results you deserve.
