How Water Damage Can Impact Your Life

There are many reasons that someone can end up fighting with a claims adjuster from their insurance company. In fact, one of the most potentially serious and widely contested claims is that of water damage claims. Water damage does more than just damage property—it causes growth of harmful microorganisms like mold and mildew, and in some of the worst cases—water damage affects entire communities.

Because water damage can be a serious issue, you need someone serious to defend you. Our adjusters are ready for everything, from questions to audits. Maybe you are wondering if your type of water damage is covered by insurance, or if you could benefit from a public adjuster.

Burst Water Pipes – If the temperature drops, uninsulated pipes can freeze, lock up and burst. These types of claims can benefit from an independent claims adjuster, as insurance companies will often try to blame the pipe’s exposure to the cold on the policyholder themselves.

Damaged Pools – Damaged pools can cause all sorts of water damage via leakage from the foundation and liner. Laws are complicated when it comes to making claims for pool-related damages. Consult an independent public adjuster to see how you can fight to have your claim paid.

Faulty Appliances – Whether it’s a washing machine, dishwasher, coffee maker, refrigerator or cooling system, broken and malfunctioning appliances can cause some serious water damage. During the time of this claim, questions will be asked pertaining to the age of the appliance and the supposed care it has been receiving. Don’t get caught unprotected without an independent public claims adjuster.

Groundwater Seepage – Ground water has nowhere to go but down, and sometimes that means into your basement or foundation. These water damage claims can be some of the most costly. Insurance company adjusters will try and say that seepage is not “sudden and accidental”, thus barring it from home insurance claims. Having the right defense at a time like this will save you thousands of dollars.

Sewer Clogs/Backup – Many policies carry no coverage for outside sewer issues. Sometimes, they even have it written into their policies that sewer issues are inapplicable to home insurance claims. Finding the proper venues to direct your complaints and claims towards is instrumental in being compensated for unsatisfactory sewer maintenance. Also, have a professional public adjuster review your policy before a disaster like this occurs to see if there are special endorsements available for faulty sewage lines.

Flood Damage – Flooding is an all-too-common type of water damage in the United States. Unfortunately, many homeowners’ insurance policies do not cover flood damage—you literally need to purchase flood insurance for this type of claim. Having the right public adjuster represent you in this type of claim is instrumental towards providing ample claim payment to clients.

Roof Leakage – This is another very common form of water damage. Often, after storms and icy weather, damage occurs to the roof. When this happens, water leaks into houses and can cause a myriad of issues, including mold, fungus and mildew outbreaks. Depending on your policy guidelines, you may be eligible for compensation. When these kinds of claims occur, it’s important to have knowledgeable and experienced claims adjusters on your side.