Water damage is one of the most common — and most expensive — types of losses homeowners face. Whether it’s a burst pipe, overflowing appliance, roof leak, or storm-related intrusion, even a small amount of water can lead to major structural problems, hidden moisture, mold growth, and costly repairs.
Insurance companies know this… yet they routinely undervalue, delay, or deny legitimate water damage claims.
At Community Public Adjusters, we make sure they don’t get away with it.
Why Water Damage Claims Are So Frequently Underpaid
Insurance carriers often try to reduce payouts by:
1. Blaming “Wear and Tear” or “Long-Term Damage”
Even when the water loss is sudden and accidental — the very thing policies are designed to cover — insurers may claim pre-existing conditions to avoid paying.
2. Lowballing the Scope of Repairs
Most carriers only include cosmetic fixes, while your home may need:
- Demolition of wet building materials
- Drying equipment
- Mold prevention
- Reconstruction to pre-loss condition
3. Using Company-Favored Vendors
Preferred vendors often work for the insurer’s interests, not yours. That can result in incomplete mitigation and inadequate repairs.
4. Delaying the Claim
Dragging out inspections, requesting unnecessary documentation, or sending multiple adjusters is a tactic used to push homeowners into accepting less.
Why You Need a Public Adjuster for a Water Damage Claim
A public adjuster works only for you, not the insurance company. Community Public Adjusters ensures:
✔ Full Investigation of the Loss
We document hidden moisture, structural damage, and contents loss.
✔ Independent, Detailed Estimates
Our scope reflects real-world repair costs — not the insurer’s discounted pricing.
✔ Protection From Denials
We know policy language, state laws, and adjuster tactics — and we use that knowledge to defend your claim.
✔ Maximum Compensation
Our clients routinely receive significantly higher settlements compared to handling claims on their own.
Common Types of Water Damage We Handle
- Burst or frozen pipes
- Plumbing failures
- Appliance leaks (washer, dishwasher, water heater, ice maker)
- Roof and siding leaks
- Storm and wind-driven rain
- Sewer backup / overflow
- HVAC leaks
- Basement flooding
No matter the cause, fast action is critical — and so is proper documentation.
Tips for Homeowners After Water Damage
1. Take Photos & Videos Immediately
Document everything before cleanup starts.
2. Protect What You Can Safely
Move undamaged belongings away from wet areas.
3. Don’t Throw Anything Away
Insurance companies may require physical inspection of damaged items.
4. Avoid Starting Major Repairs First
Mitigation is fine — demolition, drying, cleaning — but reconstruction should wait until the claim is approved.
5. Call Community Public Adjusters Early
The earlier you involve us, the stronger your claim will be.
How Community Public Adjusters Helps You Win
When you hire us, you get:
- A dedicated claim advocate
- A full inspection using moisture tools and documentation standards
- A complete, itemized estimate following IICRC and insurance standards
- Negotiation with the insurance company on your behalf
- Faster resolution and higher payout
We don’t get paid until you get paid.
Serving Pennsylvania & New Jersey Homeowners
Community Public Adjusters proudly assists homeowners across:
- Philadelphia
- Bucks, Montgomery, Delaware & Chester Counties
- New Jersey Shore towns
- Camden, Burlington, Gloucester, Atlantic Counties
If water damage has impacted your home, you don’t have to fight the insurance company alone.
Get Help With Your Water Damage Claim Today
We’ll review your claim for free and help you secure the settlement you deserve.
We represent home and business owners and have vast experience with the following types of claims:
- Catastrophic damage claims
- Roof leaks
- Blown off shingles & siding
- All plumbing leaks
- Toilet overflow
- Burst Pipes
- Frozen Pipes