Water Damage Claim

Experience Water Loss Damage?

Water damage can be a homeowner’s worst nightmare. Damage from water leaks from plumbing or other sources and the needed restoration and repairs can be costly and time-consuming. Water damage can cause structural damage and can lead to mold growth.

If your home has suffered water damage, it is important to take action as soon as possible. If your home or business has been damaged by water, you may wonder what to do next. In Florida, water damage insurance claims are not always cut and dry, and it’s essential to take the right steps to mitigate your damages and successfully deal with the insurance company.

What are Signs of Water Damage?

Different Types of Water Damage

Water damage can occur from water supply lines that run through the walls. Especially pipes such as polybutylene are susceptible to sudden leaking.

Backup from drain lines with standing water are very common causes of significant water damage.They can result in overflowing and backup of water.

Leaking of drain lines in the slab are especially common with cast iron lines that were very commonly used in Florida homes.Water damage can easily damage floors and walls

Water supply lines such as to a refrigerator, washing machine, dishwasher, or ice makers can see water seeping over time, damaging surrounding property.

Rain can enter the home, often driven by wind through open windows, porous building materials, or cracks in the exterior of the siding or room.

Appliances can malfunction and leak.A common example of this float switch on an air conditioner malfunctioning and causing the water drip pan to overflow.

Heavy rains can result in flooding in Florida homes and causesevere damage. Flood damages can lead to mold growth, damages to the structure, and electrical to name a few.

Heavy rainstorms can result in water damage damaging everything from the attic and insulation to the floors.

Is My Water Damage Covered By My Insurance Company?

Most of the time, damaged materials are often covered under home insurance policies but often with restrictions. There are a few things to keep in mind:

Damages You Can Receive Compensated For:

Kitchen Cabinets
upholstered furniture
mold remediation

Are You Getting the Most Out of Your Sewer Leak Insurance?

Before you contact your insurance agent, it’s important to know if you have a strong claim and what it is that you are asking your insurance provider to pay for. In plumbing claims, having experts such as a public insurance adjuster to coordinate your claim is important.

They can read and interpret the policy is important to ensure a maximum settlement for your plumbing claim. A public insurance adjuster can bring in experts, document the damages, prepare a strong and defensible claim file, and negotiate with the insurance agency.

Commonly Asked Questions About Claims

If you see water damage, the first thing you need to do is know whether your insurance policy covers the loss. If it does, it’s important to make sure you document with photographs and invoices an immediate effort to mitigate the damages and report to the insurance company. The insurance policy requests property owners to mitigate their damage

Yes. Many owners can do simple plumbing jobs, and often the source of the water damage is easy to fix. For water damage claims, though, it’s important to document the damage. Take a video and pictures of the water, show the leaking, and yourself fixing it. Anything to make a strong case for the insurance company to pay the claim.

If you have water damage, it’s important to take action as soon as possible. You should dry out the property and remove any water or moisture. Oftentimes, water damage is not treated correctly and leads to more severe problems down the road like mold growth. If you’re unsure of what to do and how to protect your property, it’s best to contact a public insurance adjuster who can help you file a water damage insurance claim and guide you through proper mitigation steps.

Never accept a denial from the insurance company. If you haven’t been represented by a Public Insurance Adjuster, make sure to send the claim file to one to review. A consultation is always free, and they can generally provide good feedback.

Most claims not represented by a Public Insurance Adjuster are underpaid. Whether you have done the repairs or not, share the claim file with a Public Insurance Adjuster to review.

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