Water Damage Insurance Claims in Saint Charles

Dealing with water damage in Saint Charles, MO is stressful enough without having to fight with your insurance company. Understanding your policy and following the right steps can make the difference between a fully covered claim and a denied one.

What Does Typical Homeowners Insurance Cover?

Generally, standard policies cover "sudden and accidental" water damage, such as:

• Burst pipes
• Appliance malfunctions (like a washing machine hose snapping)
• Accidental overflows

Important: Most standard policies DO NOT cover flood damage from natural disasters (rising rivers, heavy rain entering from outside). You usually need a separate flood insurance policy for that.

Steps to Take for a Successful Claim

1. Call Professionals Immediately: Insurance policies require you to take steps to "mitigate further damage." Waiting worsens the problem and jeopardizes your claim.
2. Document Everything: Take photos and videos of the standing water and damaged items before cleanup begins. Keep damaged parts (like the burst pipe) as evidence.
3. Don't Throw Anything Away Yet: Let the adjuster see the damaged carpet or furniture before disposal, unless it's a health hazard.

How We Help

Flood Cleanup Pros uses Xactimate, the industry-standard software used by insurance adjusters. This speaks their language.

• We provide detailed moisture maps and drying logs.
• We photograph all damage and restoration steps.
• We bill your insurance company directly, so you don't have to pay out of pocket for the mitigation service (minus your deductible).