When a disaster affects your home, it is essential to act quickly to reduce damage and preserve your home. Although the processing times for a claim depend on your insurer, the time required to complete the work varies depending on the type of water damage.
The amicable report: a key step
When a loss affects an insured property, it is essential to carry out a amicable observation in the presence of your insurer. This procedure consists of establishing responsibility for the loss and defining the amount of work to be carried out. If you are the owner, the amicable report will be carried out with the trustee of your co-ownership. If you are a tenant, the amicable report will be carried out with your owner.
How long does it take to complete the work?
Once the disaster has been declared and the amicable report established, the work can begin. The deadlines for carrying out the work vary depending on the type of disaster and the type of housing.
Deadlines for a disaster in an individual home
If the disaster occurred in an individual dwelling, the time required to carry out the work depends on nature of water damage. If the leak is of visible origin and the work is limited to a leak detection and work of paint, it takes about a week to complete the work. If the disaster is of invisible origin and it is necessary to carry out major work, the time required to carry out the work can be around two months.
Deadlines for a disaster in collective housing
If the disaster occurred in a collective dwelling, the time required to carry out the work depends on the nature of water damage and the complexity of the work. If the leak is of visible origin and the work is limited to a leak detection and work of paint, it takes approximately two weeks to complete the work. If the disaster is of invisible origin and it is necessary to carry out major work, the time required to carry out the work can be around three months.
Water damage: what are the different stages?
When a disaster affects your home, it is necessary to follow a series of steps to benefit from rapid and complete compensation.
Report the claim to your insurer
The first step is to report the loss to your insurer so that he can take care of the damage. The declaration must be made as soon as possible to benefit from your insurance guarantees.
Establish the amicable report
The second step consists of establish an amicable report in the presence of your insurer. This procedure consists of determining responsibility for the loss and defining the amount of work to be carried out.
Carry out the work
The third step consists of carry out the work depending on the type of disaster and the type of accommodation. The deadlines for carrying out the work vary depending on the type of disaster and the type of housing.
Receive compensation
The fourth step is to receive compensation for the damage suffered. Compensation is paid by your insurer once the work has been completed.
How to benefit from rapid and complete compensation?
When faced with a disaster, it is essential to take certain steps to benefit from rapid and complete compensation.
Know your guarantees
It is essential to know your guarantees to be able to react quickly and reduce the damage suffered. It is also important to know what steps to follow to benefit from your insurance guarantees.
Be well informed
It’s important to be well informed on the deadlines and procedures to follow to benefit from rapid and complete compensation. It is also important to find the right service providers to carry out the work and to follow up on the procedures with your insurer.
Be accompanied
It is advisable to to be accompanied by a professional during the steps to follow to benefit from rapid and complete compensation. A professional can help you understand your insurance guarantees, fill out the forms, and find the right service providers to carry out the work.
When a disaster affects your home, it is essential to be familiar with your insurance guarantees and to find out about the steps to follow to benefit from rapid and complete compensation. The time taken to complete the work depends on the nature of the water damage and the type of housing. It is advisable to be accompanied by a professional during the procedures to benefit from rapid and complete compensation. In conclusion, when faced with a disaster, it is essential to react quickly and take the necessary steps to benefit from rapid and complete compensation.
