Water Damage Claim Help from Insurance Claim Consultants

Water DamageWater damage claims are among the most frequently reported property claims, often causing the greatest expense to insurance companies and plenty of heartache to insureds. Water can appear suddenly or take a more subtle approach, quietly damaging building materials and furnishings. You may not suspect a problem until mold or unusual warping appears.

Most insurance policies cover water damage where the cause of loss was “sudden and accidental” such as:

  • A burst pipe
  • Sink, tub, or washing machine overflow
  • Appliance leaks
  • Sewage or toilet backups
  • Water intrusion from breaches in a roof or window

However, due to the illusive nature of water, your insurance adjuster may underestimate or deny your water damage claim.

Tips for Handling Your Water Damage Claim

Use the following tips to ensure a successful outcome:

  • Read your insurance policy –It will explain your coverage, your obligations, and any mold provisions or limitations. We can help you understand your policy as well as explain how its provisions might affect your water damage claim.
  • Begin emergency mitigation – We recommend hiring an unbiased water extraction company to start remediation and dry out processes. At this point, do not sign a work authorization to repair or rebuild.
  • Document the damage – Document all damage with photos and video. If “tear out” becomes necessarybefore the insurance company’s claims adjuster can survey the damage, save samples of any torn out aterials.
  • Get it in writing – Do not authorize restoration or rebuilding work until you obtain a written agreement of the water damage scope and valuation from your insurance company’s adjuster.
  • Get a second opinion – Do not rely solely on insurance company estimates to gauge the true cost of restoring your property to its pre-loss condition.
  • Use technology – Make sure the claims adjuster use an infrared camera and a moisture meter to determine the exact location and full extent of the water damage.


What Our Expert Says About Water Damage Claims:
Ronald Delo

Ronald Delo

“Substantiating and documenting water damage requires specialized technology, yet your insurance company’s adjuster may not use these tools. If not discovered, hidden water damage doesn’t technically exist. Denials (such as unfairly attributing damage to preventable maintenance issues) are common. An experienced public adjuster can discover, substantiate, and document the true cause of loss.”
Get more expert answers about water damage claims by visiting our FAQs page.


Insurance Claim Consultants leverages decades of expertise and state-of-the-art infrared and thermal imaging equipment to obtain the largest possible water damage claim settlement. With our help, you will remain in control of your claim. We can help at any point, including after an inadequate settlement or denial. If a valid reason to reopen your claim exists, we’ll pursue an increased settlement on your behalf – and we have a 100 percent success rate in this regard.

Insurance Claim Consultants is licensed and operates in Florida, Texas, and 13 other states. Contact us or call our office 24/7 to speak with a knowledgeable public adjuster about your water damage claim.

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