Water damage: what to do?

HEYME home insurance

From burst pipes, leaking appliances, to more serious issues like sewer backups or flooded basements, water damage can cause serious damage. How to react to such situations? Here are our tips.

Call your insurer

Your home insurance contract varies according to the guarantees you have taken out.

The insurance company will send an adjuster to examine and assess the damage to determine if it is a covered loss.

Record the value of each damaged object and take as many photos as possible before, during and after cleaning. This will help the expert when he comes to assess the damage.

NB: home insurance contracts do not cover damage caused by flooding.

HEYME home insurance

Be careful when examining your house

The most important step in the event of a major household disaster, such as a flood or water damage, is to make sure you and your family are safe.

Turn off the power, wear protective clothing, protect your valuables, and leave your home if the flooding is severe.

Start repairs as soon as possible

If possible, water damage repair should begin 24 to 48 hours after you receive permission to return home.

In many situations, the damage is too great, so it is better to seek help from a specialized service.

If you decide to start the drying process yourself, be sure to wear protective gear. Determine what can be salvaged and discard anything that is too damaged or no longer safe to use.

It’s best to remove flooring, drywall, and insulation to prevent mold from spreading through the house. Furniture should also be dried, cleaned or thrown away depending on the extent of the damage. Water can quickly damage hardware floors, so this process should be started as soon as possible.

Dry your house

Once all the standing water has been drained, you need to take care of your belongings, especially if you live in a humid area.

If you can restore the electricity, use the central air conditioning to remove the humidity. Floor fans and dehumidifiers can also be helpful.

Time is of the essence: start drying out your home within the first 24 hours so you can finish it within 3-4 days and reduce the risk of mold.

Start restoring your house

Water damage repairs following a flood are usually what take the longest.

Walls and flooring sometimes need to be replaced. If major work is needed, hire an expert!

Go back to your house

Once you get the green light from your insurance company, your restoration/construction company and the local authorities (in the case of natural disasters), you can return to your clean, dry and mould-free home!

And with HEYME home insurance, how does it work?

At HEYME and from €34/year, you can benefit from a wide range of guarantees that will cover your apartment in the event of problems, in particular those related to water damage.

The price varies according to the type of accommodation occupied (room in a Cité U, studio, T2, etc.), but remains the same regardless of your age or your place of residence.

And the fact of being in a roommate does not imply any change, your roommates being insured free of charge on the same contract and for the same price!

👉 HEYME home insurance

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