Have an amicable report filled out to speed up compensation

Have an amicable report filled out to speed up compensation

To be compensated as quickly as possible, remember to complete an amicable water damage report which will gather all the information your insurer needs. This document specifies the location of the incident, the circumstances, the causes, the nature of the damage as well as the contact details of the people affected by the incident. This document is optional, however, to speed up the processing of the compensation file by the insurance company. The amicable report must be completed and signed by you and by all the people affected by the loss. The latter must then address it to their respective insurers within five working days of the occurrence of the event. To obtain an amicable report, you should contact your insurer. You can also download it from his site.

If you are a tenant, remember to send the amicable report to your landlord.
Water damage: is an expertise still necessary?

Your insurance company may, if it deems it necessary, appoint an expert to examine and assess the damage affecting your home. Generally, insurance calls on an expert if the damage is greater than € 1,600 in amount. You are notified of the expert's visit by your insurance company. On your side, you can also be assisted by an expert of your choice. However, his fees cannot be covered by your insurance contract. Before the arrival of the expert appointed by your insurer, consider preparing a file justifying the damage you have suffered. You must therefore take care to keep damaged items and collect items (invoices, photos, etc.) that will facilitate the identification of damaged or destroyed items.

You can have quotes for the restoration of the premises made before the visit of the expert.
How is the compensation paid out in the event of water damage?

Water damage compensation procedures are specific to each insurance company. In most cases, your insurer will send you a letter specifying the amount of compensation offered. If you accept the latter, you will then be compensated within the time limits set out in your home insurance contract. This period is usually one month. However, if you do not accept the amount offered by your insurance company, you can appeal, preferably by registered mail with acknowledgment of receipt. In this letter, you can ask your insurer to send you a copy of the expert's report. If the disagreement continues, you can go to Insurance Mediation.

If you do the work yourself, the insurer will usually pay a lump sum to cover the cost of materials as well as the time spent on repairs.