When it's dripping – every minute counts

Water damage is one of the most frequent and expensive claims in property insurance. A burst hose, a faulty valve, or a burst pipe – and suddenly everything is underwater. Right now, you need to know what to do, because the first few minutes determine the amount of compensation you'll receive.

Many people instinctively react incorrectly: water is simply mopped up, damaged furniture is disposed of, or a repairman is immediately called in – without prior documentation. This can have disastrous consequences.
Water damage insurance claims must be documented . Without photos, videos, or witness statements, the basis for a fair settlement is lacking.

Here's how to proceed correctly

1. Limit the damage, but don't fix anything.
   Turn off the main water valve, secure the power supply, but no repairs or disposal until everything is documented.

2. Document everything carefully.
   Take photos of the damage, the affected items, and the cause (e.g., a defective hose). Write down when and how you noticed the damage.

3. Inform your insurance company – with a plan.
   Report the insurance claim immediately. Use precise, factual language. Exaggerations or false statements can quickly lead to inquiries or rejections.

4. Be prepared for follow-up questions.
   Insurance companies often send assessors or experts. If you're unsure about this, get professional help before you get bogged down in explanations.

Why professional help is worthwhile

An insurance coach or experienced claims professional knows which documents are truly important and how to structure the claim report so that it is complete and legally sound.
They also check which insurance policy is responsible – household contents or building – and ensure that nothing is claimed twice or not at all.

Many consumers are throwing away money here because they believe the insurer "will sort it out". But insurers only pay out what they can prove – and that only works if the case is properly documented.

Documentation is your best protection

A water damage insurance claim isn't a disaster if you know what you're doing.
With a cool head, good documentation, and the support of a professional, you can ensure you get what you're entitled to.

Because water can destroy many things – but not your chances, if you act correctly.
So: get your camera out, call your coach, and you'll stay on the safe side.