re: Advice for flooded home due to pipe burst

1) After you shut water off to the house take pics and videos of the damage.
2) Call a water restoration company and have them come out. They won’t start immediately, but will get you scheduled. The clean-up and drying is considered an Emergency action to prevent further damage and is covered by your insurance (if you have the right policy(ies) like I write

). If you do not have a restoration action then you risk the insurance company not paying on the claim because you did not act in preventing further damage.
3) File the claim as soon as you hang up with restoration company. I know this sounds backwards, but in an event like this you want to hurry and get on the schedule of a restoration company. With the claim and policy number, give it to the restoration company so that they can bill accordingly with your carriers coding system so that it gets paid faster.
4) If you can pay for the down payment to get the restoration process going.. do so, your carrier has like 14 days or so to reimburse you.. otherwise they may take up to 90 days to pay the restoration company.
5) Hire a plumber if they are not already associated with your restoration company. Typically they do the work together.
6) Meet with the adjuster at your house from the insurance company
7) Once you have the response from the adjuster share it with the plumber, Contractor you hire for floors ceiling walls etc, and restoration company. They will work within the parameters of what was approved by your carrier, and even negotiate more funds if needed.
NOTE: INSURANCE COMPANIES DO NOT PAY TO FIX YOUR PIPES, ONLY THE DAMAGE TO THE HOME. YOU ARE RESPONSIBLE FOR FIXING YOUR PIPES. However, most restoration companies that partner with plumbers will eat the cost of the plumbing work...