- If your home was damaged because of water, first document all damages with detailed pictures. Then, call a leading public adjuster and your insurance company.
- Read your insurance policy carefully prior to filing the claim. As you’ll notice, insurance companies have an extremely limited use of certain terms, and this limitation usually works on their behalf, not yours. For example, “flooding”, as something caused by the overflow of a river or lake, is not covered under general house insurance. So, when you file a claim to the insurance company, because a burst pipe flooded your first floor, don’t use the word “flood” when filing your claim. The insurance company might deny it, since you’re not covered for flooding. To avoid such situations, a public adjuster is your best ally.
- Insurance companies will attempt to deny your water damage claim under the “house maintenance” umbrella. They will try to prove that your burst pipes or leaking dishwasher were not an accident, but caused by poor maintenance. Don’t accept such arguments if you feel the water damage was accidental: you are entitled to your claim check, and the insurance company has to cover for all your water related damages.
Property damages caused by water are one of the most common reasons why people have to file claims to the insurance company – and a leading public adjuster will help you to get a good settlement with the insurer. Broken pipes, kitchen and bathroom appliances that leak, flooded basements, compromised floors, are unpleasant events that every homeowner encounters once in a while. There is a specific problem related to water claims: the insurance companies will cling to any detail to prove they don’t actually have to cover for your losses. This is why, in case of water damage to your property, the first thing you need to do is hire a good public adjuster.