What is the best way to file a home insurance claim,my friend has water coming up from her floor,we think it's

Question

foundation problems,the concrete slab may have cracked. She has already called her insurance company and they are sending a insurance adjuster out, Tuesday. But should she confirm what is causing the water first,before the adjuster comes out. She just wants to deal with this as quick as possible,as to have no delays on repairing this issue,because we are starting to get alot of rain out here.

Answer 1

honestly i dont think there is a best way..let him deal with it..if he thinks its something else he will let you know at that time without seeing the problem its not something i could begin to diagnose..but a cracked slab with water coming up thru it  sounds like a bunch of trouble

Answer 2

You call the agent.  She's filed the claim.  

If she has an HO3, she doesn't have to confirm what's causing the water.  

But likely, this isn't going to be covered.  Cracked slabs are not covered, if it cracks due to settling.  Foundation problems due to settling, not covered.  Ground water seeping in, or a high water table, also, both not covered.  

Unless she's got a pipe in her wall cracked and leaking, I don't think there's going to be coverage ANYWAY.

Answer 3

she needs to do whatever she can to prevent further damage.  if it is a problem with the foundation, it may not be covered under policy.  it really depends on whats causing it, but under her homeowners insurance contract she needs to take steps to prevent further damage.    she should be ok by having someone come out and look and give her an estimate on repairs.  she will be one step ahead when the adjuster comes out.