If you have homeowners insurance, call the claims number on your policy. Explain the situation, have your policy number in hand, and if you have any receipts of damage or proof of damage keep it.
It will be on file with the Ins Co as a cancelled claim. If the adjuster did not put the claim in the PILR database only the Ins Co will know about it. If they did it will pop up as a reported claim for all to see. PILR = Property Insurance Loss Register
no you dont. if you do not with to file a claim you do not have to report it no you dont. if you do not with to file a claim you do not have to report it
What type of claim? Damage or injury?
Without anything damaged, lost or stolen there is nothing to claim.
If your lien holder repo's your vehicle, they can file a claim against your insurance for damage to the vehicle. The repo company itself would have no claim, because it's not their vehicle.
Generally speaking no. If the contractor did damage intentionally you could file a vandalism claim but you would also need to file a police report. If the contractor was negligent, you could file a claim with their commercial liability insurer.
Yes you can file a claim with the city.
no
i believe it's 3 days but I'm not sure
It is wise to file your claim ASAP. However, there is a statute of limitations which varies from state to state, depending on the type of claim you have, property damage, personal injuries or both. It usually is between 2 to 3 years.
This is usually covered by most policies. However I encourage you to think about the pros and cons of filing a claim. For instance if the water did $750 of damage to the kitchen floor, and your policy has a $500 deductible then you may not want to file a $250 claim. If you have filed another water claim in the last 5 years, then you may not want to file another one (unless it's something that you really cannot afford to pay yourself). The reason for this is that insurance companies look cautiously on homeowners with a history of water, theft, and liability claims. If you'd like more information on why those particular claims can be an issue, try googling "water, theft, liability claim problems".
This is a legal question which must be referred to an attorney for clarification.