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Water Damage Insurance Claim Adjuster

Water Damage Insurance Claim Help from Trusted Public Adjusters

Water Damage

Water damage insurance claims are the most frequently reported kind of property claim. These claims cause the greatest financial expense to insurance companies and subsequently, grief and aggravation for property owners who are entitled to fast and accurate settlements.

Since 1992, our claim adjusters have helped people just like you win fast and fair settlements for water damage claims that were underpaid, delayed and even denied. We utilize state-of-the-art thermal imaging and moisture mapping technology which enables us to precisely estimate and substantiate the full scope of water damage. This means fast and accurate settlements for our clients.

Water Damage Insurance Claim Tips

Due to the often illusive nature of water, your claim adjuster sent out by the insurance company may underestimate or deny your water damage claim. Here are insurance claim tips to ensure you’re claim stays on track:

  • Request a certified copy of your insurance contract from your agent or insurance adjuster. It will outline your coverage, your responsibilities and any mold provisions or limitations. If there’s a dispute over coverage or policy language, contact an experienced public adjuster for interpretation.
  • Begin mitigation of the water damage, NOT restoration of your damaged property. The rebuild and restoration work should only commence once you and your insurance company have agreed to the scope (or amount) of damage.
  • Document all damage with photos and video. If “tear out” of dry wall or flooring is becomes necessary before the insurance company’s claim adjuster can survey the damage, save samples.
  • Request that your insurance adjuster use technology to diagnose and document the extent of water damage. If your insurance company does not utilize thermal or infrared imaging or moisture mapping technology then you should consider hiring a public adjuster who does.
  • Obtain your own estimates to gauge the true cost repair or replace your water damaged property. Get at least 3 independent estimates from qualified general contractors.
  • Demand a written explanation and reasons why if your claim has not fully settled within 45 days.
  • Contact a trusted public insurance adjuster if your insurance company is not responsive or has required you to submit a Proof of Loss form for your water damage insurance claim.

Water Damage Insurance Coverage

While each policy contains different policy language and varying degrees of coverage for water damage, most insurance policies cover damage where the cause of loss was “sudden and accidental.” This would include water damage from burst pipes, sink or tub overflow, sewage or toilet backups and water intrusion from breaches in a roof or window.

Water damage 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 people file a water damage insurance claim and fully expect coverage.

The reality is many water damage insurance claims should be paid by insurance companies, but instead are unjustly and incorrectly underpaid or denied. It’s common for some insurance adjusters to misinterpret the policy language and render a denial based on a false allegation that the type of water damaged is not a covered under the insurance policy. Get a second opinion from a trusted public adjuster if your insurance company denies coverage or offers you a low settlement.

Water Damage Claim Denied?

We established earlier that water damage claims are often wrongfully denied. An experienced public adjuster can assess if your water damage claim has been wrongfully denied, underpaid or determine the true and full value of the insurance claim.

Get a second opinion if your insurance company has denied your water damage insurance claim due to…”

  • …a long ongoing leak.”
  • …an unrepaired leak.”
  • …a preventable maintenance issue.”
  • …failure to mitigate damages.”
  • …failure to maintain heat and electricity to a building resulting in burst or broken pipe.”
  • …failure to drain or properly maintain sprinkler system.”
  • …failure to have NFIP coverage for a flood insurance claim.


What Ron Says About Water Damage Insurance Claims:
Ronald Delo

Ronald Delo

“Substantiating 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 to get you compensated for the true value of your water damage claim.”       
Get more expert answers about water damage claims by visiting our FAQs page.


There’s No Reason to Take a Chance

You could have many options if your water damage claim has been denied or underpaid.

If a valid reason to reopen your water damage claim exists, our claim adjusters will aggressively and diligently pursue an increased settlement on your behalf – and we have a 100 percent success rate in this regard. We are not paid unless we win you a larger settlement. It’s that easy. Start on the road to recovery today.

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