Water Damage Insurance Claims

Unpredictable events like flooding, coupled with more commonplace issues such as leaky roofs or burst pipes, leaking toilets or air conditioning units can result in unwanted water accumulation on various flooring types, be it wooden, hardwood, or tile.  Unattended water can cause mold growth and lead to structural damage, both of which can be costly to fix properly.

A common belief is that insurance policies will cover repair costs. However, the reality is different. Not all water-related damages are covered by insurance.  Many policies today have limits on coverage.  Some being capped at $10k or even worse it’s excluded.  A public adjuster can review your loss prior to filing the claim to ensure you have coverage for the water loss.  Policies also state the loss must be sudden and accidental.  If the water loss was continued seepage then the loss may not be valid under the policy.

Experiencing water damage to your property can be overwhelming. Yet, navigating the complexities of insurance claims needn’t be a solo endeavor. Engaging a public adjuster on your water claim can be invaluable.  Public adjusters offer guidance through the insurance process, assisting policyholders in understanding repair costs, suggesting preventive actions, and recommending effective water damage mitigation strategies, ensuring that further harm to property is averted.

Recognizing Water Damage

Unchecked water damage can escalate over time, leading to more significant issues. While some water damage may not be immediately obvious, others manifest clearly, especially depending on the materials affected. By being vigilant, homeowners and business owners can avoid large repair bills and prevent extensive damage.  Another issue to consider is how long after the loss did you notice it.  If you’re a snowbird or it’s a second home how long can you be gone before noticing the loss?  These are questions our public adjusters can sort out for you regarding your water loss.

Policyholders with water damage, immediate attention to visible signs is crucial.

1. Physical Alterations: Look for discoloration or staining on walls. Bubbles in wallpaper or paint.  Water streaks on surfaces often suggest underlying moisture issues.
2. Delay Can Be Detrimental: While some policyholders might await annual inspections, it’s crucial to act promptly when signs are apparent and make sure the claim is made timely. Even seemingly minor leaks from a dishwasher or malfunctioning washing machine pipes can hint at more extensive hidden damage.  Many policy’s state the water must be found within 14 days.
3. Changes in Odor: A significant change in the smell of rooms or possessions is another indicator.  Water damage doesn’t always stem from pristine sources.  Especially in areas prone to flooding, the water affecting homes may not be clean, leading to distinct and often unpleasant odors.

It’s especially important to recognize that floodwaters or leaks from compromised pipes can subtly or dramatically impact property and items, introducing odors or even potential health hazards. Proactive measures, like consulting with maintenance teams at the first sign of trouble, can be invaluable reducing the extent of water damage.  If you do find damage, it’s important to properly document damages prior to repair.