Insurance contracts generally stipulate that the insured must underwrite all measures to ensure that the disaster does not worsen. In the event of water damage, you must put an end to the cause of the damage as far as possible, save the property and avoid the risk of a short circuit. Otherwise, you risk having your insurance compensation reduced. A leak search must be organized to identify the cause of the disaster.
An expert is not automatically authorized by the insurance. It may simply ask you to give it an estimate in order to proceed with compensation by mutual agreement. If your insurance company deems it necessary or in special cases, it must appoint an expert. The latter will be responsible for assessing the damage and determining the causes of the loss as well as any liability.