Water Damage Home Claim Help
Trusted Water Damage Public Adjusters
What we do for you
- Inspect water damage thoroughly
- Document all impacted areas
- Prepare and file your claim
- Communicate with your insurer
- Maximize your claim settlement
Get Your Free Claim Evaluation
Water Damage is one of several reasons WHY a homeowner may file a home insurance claim.
WATER that escapes a plumbing, heating, air conditioning, fire protection sprinkler system, or a household appliance DOES NOT mean that the insurance company is obligated to pay for the damage. THAT’s RIGHT…!
Accidental Discharge or Overflow of Water or Steam is the Peril needed in the policy to pursue policy benefits. This peril means accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance. It will not pay for the appliance the water escaped or the system. However, there are special circumstances that the insurance company doesn’t inform you about.
We know and understand the policy types and endorsements that alter water damage coverage.
Understanding water damage and claiming water damage insurance
It is important to note that water leakage in pipelines results in heavy damage to the walls and ceilings. Water leak is not normal, when clogged in the walls and ceiling it causes water dripping and in this house. Getting these damages repaired takes a heavy cost. There are certain policy types that cover these types of water damage occurrences There are Water Damage Insurance Claims, where you can repair the damage without paying any extra costs. These claims just need proper documentation and evidence. Often people fail to get the claim due to either lack of knowledge about such policies or incomplete documentation and insufficient evidence. Once a person has a better knowledge about the water damage home insurance claims it is easier for them to cover such heavy amounts, but for this they need to be guided by insurance companies and government schemes. Water damage that can occur in your property
- Air Conditioning Condensation leak
- Fire Sprinkler Head leak
- Appliance leak – dishwasher, water heater, refrigerator ice maker line, washer machine hose burst and etc.
Typically, most homeowner insurance policies specifically exclude flood water, surface water, water that backs up through sewer drains. A ‘Sump Pump’ that overflows from a sump pump pit is not considered to be part of the plumbing system and requires a policy endorsement in order to provide this type of coverage. A sump pump endorsement or a Sewer Backup endorsement often have stated limits of coverage and can be subject to their own deductible.
Water Damage is one of several reasons WHY a homeowner may file a home insurance claim.
Get Fair Compensation for Your Water Leak Damage Insurance Claim
Water damage can be sudden leakage in plumbing line, frozen burst pipe, toilet overflow, broken drain line, appliance and HVAC system. Getting fair settlement for water damage is essential as the repair costs a heavy amount and delaying the repair can worsen the situation. Delayed repair can damage the roof, build mold on the wall and affect the overall structure of your home. Water Leak Damage Insurance Claim helps home owners recover from the damage cost. Filing claims need proper documentation, suitable proofs like photographs and videos. Incomplete documentation can keep the claim underpaid or the claim might even be rejected.
Steps for Water damage home insurance claim
- Step 1. Stop the leakage: A you see the leakage in the pipe, try to cover it temporarily. Don’t go for proper repair as it may affect the settlement.
- Step 2. Start Documenting: After the leakage, instead of repairing at your own cost, file a water damage home insurance claim and for that file all the related insurance policy documents and evidence of the damage like photographs and videos of any hidden damage.
- Step 3. Contact your insurance adjuster: Hand over all the filed documents to the insurance adjuster or insurance agent and ask them to start the claiming process as soon as possible to get the damage repaired without delaying it.
- Step 4. Get repair estimate with an insurance adjuster: An insurance adjuster can help home owners to deal with getting estimated repair cost and can even coordinate on behalf of the owners with the insurance company.
- Step 5. Review the settlement: After the claim is settled, review the overall document and check if there are any deductions or any other errors regarding the settlement.
Water Damage Classifications
- Category 1. Clean water source from fresh water potable drinking source…kitchen sink.
- Category 2. Greywater- water from appliances, toilets, etc.
- Category 3. Blackwater – sewage, floodwater, etc.
It pays to have an Advocate Public Adjustment Public Adjuster Expert handle the water damage insurance claim details from start to finish when it comes to a water damage insurance claim.
At Advocate Public Adjustment, our team is committed to helping policy holders throughout the process of water damage. We focus on complete documentation with clear proofs, powerful negotiation and fair settlements. When the property is affected by any kind of water damage the professional claim adjuster representation can make a measurable difference in the settlement.
We have been doing this for decades, as a matter of fact since 1992 full time water damage insurance claim experts that negotiate maximum water damage claims settlements for you, the property owner, and not the insurance company. If you have any type of water damage to your home, call (215) 622-0090 / (215) 364-4546 or fill out this form for a free property inspection and policy review.
Call us today at (215) 622-0090!
We serve all of Bucks County including Doylestown, New Hope, Quakertown, Upper Makefield, Chalfont, Buckingham, Newtown, Solebury, and all surrounding areas.