Do I call my insurance adjuster or a restoration company first?

Posted by Matt Buchanan

A common misconception amongst homeowners is that when faced with a basement flood, the first thing they need to do is call their insurance agent.  Unfortunately, your insurance agent can’t get water out of your basement and ultimately that’s the most important.

Flooded basementWe say this a lot when discussing some of the common mistakes homeowners make when dealing with a flood loss, but your home’s health is your responsibility.  And ultimately, no one cares more about your home than you do, and that includes your insurance adjuster.

But don’t I need to file a claim before I begin the basement flooding cleanup process?

The order of filing the claim is not as important as making sure you stop the water source and get the water out as quickly as possible.  While you’ll certainly want to file a claim in a timely manner, you do not need to go through the process of filing a claim before calling for help.

If my basement has flooded, what’s the first thing I should do?

Find the source of the water and make sure it’s stopped.  The easiest thing to do is cut off the main water supply to your house.

Who should I call?

Call a certified basement flood cleanup company.  There are a couple of main accreditations that restoration companies can have.  The primary association is IICRC, which offers accreditations for a variety of different trades, such as Water Damage Restoration Technician (WRT), Applied Structural Drying Technician (ASD), and a host of others.  Companies and individuals can also become certified through RIA.

It’s important to use a company certified to perform the work you need done.  Not only do they know how best to remove water from your basement and make sure that it is properly dried, but you’re less likely to deal with any issues/concerns from your adjuster during the claims process.  They’ll typically have a list of reputable, certified contractors in the area that deal with water losses, so they’re familiar with their level of service and professionalism.


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If you’ve experienced a water loss, please call now for a free quote & fast response anywhere in the United States!



About Matt Buchanan

I grew up in Irving, TX and left for Nashville, TN for college. After college I lived in Washington, DC and then in Cairo, Egypt. After coming back to the states, I spent a couple of years back in Dallas before moving with my wife to Denver!
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