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Life is unpredictable and sudden damage to your home can leave you feeling overwhelmed. Whether it’s escape of liquid, a fire, storm damage, or any other unforeseen event, sudden damage to your home can be a stressful and overwhelming experience. In this article, we’ll explore the steps to take, how to navigate the insurance process, and how to ensure a smooth restoration process.

1. Ensure Safety First

The safety of you and your loved ones should always be top priority. Before assessing the damage, ensure that everyone is safe and out of harms way. In the case of fire or gas leaks, evacuate immediately and call 000. 

2. Contact Your Home Insurance Company

As soon as it’s safe to do so, contact your home insurance company to report the damage. Provide them with all the necessary details, including the cause of the damage, the extent of the damage, and the location of the incident. Your insurance company will guide you through the next steps and may send an Assessor to assess the damage.

3. Document the Damage

Before any repairs or restoration work begins, document the damage thoroughly. Take clear photos and videos of the affected areas from multiple angles. This documentation will serve as crucial evidence for your insurance claim.

4. Prevent Further Damage

If it’s safe and within your capability, take steps to prevent further damage. For example, if a flexi-hose has burst, shut off the water supply to prevent flooding. Cover windows to keep out rain and debris. However, only do what is safe and within your knowledge. It’s best to wait for your insurance company to organise an Emergency Make Safe with the professionals.

5. Understand Your Insurance Policy

Familiarise yourself with your insurance policy, including coverage limits, deductibles, and any specific requirements for emergency repairs. Some policies may have limitations on certain types of damage or may require you to use their approved contractors.

6. Keep Detailed Records

Maintain open communication with your insurance company throughout the repair process. Keep a detailed record of all interactions with your insurance company, contractors, and any related expenses.

7. Final Inspection

Once the repairs are complete, conduct a final inspection with the building contractor to ensure all work is done to your satisfaction.

Dealing with sudden damage to your home can be a challenging experience, but with the right approach and a clear understanding of the insurance process, you can navigate it successfully. Remember to prioritise safety, document the damage and work closely with your insurance company. With these steps, you can restore your home and your peace of mind after an unexpected emergency.