Understanding the Insurance Process After Water Damage
If you’re facing water damage in your home or business, you’re likely feeling overwhelmed. Between cleanup, repairs, and the stress of unexpected costs, it can be a lot to manage. The good news? If you have homeowners or property insurance, you may not have to pay for everything out of pocket.
At Flood Rewind, we help property owners across the Kansas City metro area—including Overland Park, Liberty, Leavenworth, and more—navigate the insurance process for water damage repair. Here’s how it works.
Step 1: Identify the Source and Stop the Damage
The first step is to find the cause of the water damage—whether it’s a burst pipe, sump pump failure, or roof leak—and stop the water source. Insurance policies often only cover sudden and accidental damage, not ongoing issues like long-term leaks or neglect.
💡 Tip: If safe, take photos of the affected areas before cleanup begins. This will help support your claim.
Step 2: Contact Your Insurance Company
You’ll need to file a claim with your homeowner’s insurance provider as soon as possible. Be ready to provide:
- The date and time the damage occurred
- A detailed description of the damage
- Any photos or video evidence you’ve gathered
- A list of damaged belongings (if applicable)
Some insurance companies may send an adjuster to inspect the damage in person.
Step 3: Call for Emergency Service
While you’re waiting on your insurance, it’s important to begin mitigation—especially if the damage is spreading. Emergency services will:
- Remove standing water
- Dry out affected areas
- Prevent mold growth
- Begin documenting damages for your claim
At Flood Rewind,we work directly with your insurance provider to ensure the repair process goes as smoothly as possible.
✅ We handle the paperwork and coordination, so you don’t have to.
Step 4: We Work with Your Insurance Adjuster
Once your insurance adjuster assesses the damage, we’ll coordinate directly with them. This ensures:
- Accurate estimates that meet insurance standards
- All eligible repairs are approved
- The process moves forward without unnecessary delays
Our team is experienced in working with most major insurance providers and knows how to document and communicate restoration needs clearly.
Step 5: Restoration and Repair Begin
After your claim is approved, we begin the full restoration process. Flood Rewind is a licensed general contractor, which means we handle everything in-house, including:
- Drywall and sheetrock repair
- Flooring removal and replacement
- Painting and finishes
- Framing and structural repair
- Kitchen and bathroom restoration
- Electrical work
We also prioritize cleanliness and professionalism—our crews clean up daily and communicate progress with you throughout the job.
Step 6: You Pay Your Deductible
Most insurance claims require you to pay a deductible. The rest of the approved repair costs are typically paid directly by your insurance provider. We make sure everything is documented and transparent so you understand what’s covered and what’s not.
FAQs About Water Damage Insurance Claims
Does insurance cover all types of water damage?
Not always. Damage from gradual issues like poor maintenance or flooding from natural disasters (without a flood insurance policy) may not be covered.
How long does the claims process take?
It varies by provider, but with Flood Rewind handling the coordination, most clients see their claim approved quickly.
Can I choose my own restoration company?
Yes. Even if your insurer recommends a provider, you’re allowed to choose your own contractor. Flood Rewind is happy to be that choice for Kansas City and nearby homeowners.
Why Choose Flood Rewind?
We’re more than a water damage company—we’re your restoration partner. Our mission is to get your property back to normal while minimizing stress and maximizing quality. By working directly with your insurance company, we make the process as simple and seamless as possible.
📍 Serving Overland Park, Liberty, Leavenworth, Gardner, Blue Springs, Stilwell, and the entire KC metro.