You will be asked when you found the water, what you did, and whether the loss is sudden. ‘The basement is always a little damp’ is a different file from ‘the floor drain erupted at 6:12.’
We give you a moisture map, equipment logs, and photos tied to rooms. That is not theater. It is how a sudden-and-accidental claim stays a restoration file instead of a maintenance argument.
Sewer backup endorsements are not automatic on a Chicago homeowners policy. If you do not have one, say so early. We still dry the building. The check may be a different conversation.
We are not your lawyer and not your public adjuster. We are the crew that makes the building dry and the file complete.
