Water Damage Home Claim Help
Trusted Water Damage Public Adjusters
Licensed Public Adjusters with decades of full‑time experience handling water damage claims. We combine deep policy knowledge, structural assessment expertise, and hands‑on claim management skills to ensure every aspect of your water loss — visible or hidden — is properly documented and fairly compensated.
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
Understanding Water Damage Insurance Claims
It is important to note that Water damage and Flood damage are often thought of as being the same thing, and that a roof leak that causes water damage is insured under the same named peril that of “Accidental Discharge or Overflow of Water or Steam”. Because WATER is WATER, right? Absolutely 100% Wrong!
Water is not just water in the property damage insurance claims industry. You can experience water damage from several types of occurrences. The bottom line is…that it all depends on how the water got there. That’s Right!
A roof leak from a wind-driven rain event such as a Nor’easter, requires certain policy types that will cover the issuing water damage to the interior of the building and or personal property. Storm damage, and or an ice dam roof leak that have no openings caused by the wind force are not necessarily considered an insurable loss with some policies. Not all policies will cover “Ice Dam roof leaks” and wind driven rain, unless certain policy conditions are met. That’s right! We know and understand these terms and conditions as your Advocate Public Adjustment Public Adjuster Home Claims Water Damage Insurance Claim Expert.
Plumbing leak- frozen burst pipe, toilet overflow, broken drain-line, etc. There are certain policy types that cover these types of water damage occurrences and there are some that… DO NOT!
This is why Advocate Public Adjustment requests to review the policy that insures your property. Making certain that you have coverage. We offer a FREE No Obligation policy review. Just fill out the contact form on this page or call us. We are only a phone call away. No questions are too silly to ask. So please call. Cell: (215) 622-0090 or Office: (215) 364-4546
Water Damage is one of several reasons WHY a homeowner may file a home insurance claim.
Water Damage Scenarios that can occur to 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.
The above examples are not covered or considered an insurable loss in certain homeowner insurance policies. Just because you have a “Homeowners Insurance Policy” does not mean that you have coverage for these types of incidents. Call Us Now…
Condensation leak
Fire Sprinkler Head leak
Appliance leak – dishwasher, water heater, refrigerator ice maker line, washer machine hose burst and etc.
The above examples are not covered or considered an insurable loss in certain homeowner insurance policies. Just because you have a “Homeowners Insurance Policy” does not mean that you have coverage for these types of incidents. Call Us Now…
Flood water- is a different animal all together. Flood is unique and specific to having the (NFIP) National Flood Insurance Program – Standard Flood Insurance Policy Dwelling Form. Or having a Private Flood Insurance Company’s “Private Flood Policy”. You also may have a Flood Coverage Endorsement added to your Homeowners policy…that is if your insurance company offers this endorsement and you pay an extra premium for the flood endorsement. If yes, then you would have Flood Coverage. You need to verify this with your agent or agency. Our opinion is that the Private Flood Insurance Policies are much better than the Government SFIP Flood Polices that are very limited and restrict coverage in many instances and their limits of coverage are ridiculous.
Our opinion would be to seek out a “Private Flood Carrier” and inquire about their Private Flood Insurance Policy” and not the NFIP SFIP. You can get so much more with a Private Flood Policy, and it can be designed to what you need instead of…. this is all you get, take it or leave it government policy. Private Flood Polices are so much better and it doesn’t even come close. Ask your agent about the NFIP Standard Flood Insurance Policy Dwelling Form vs. a Private Flood Policy that offers much higher limits, replacement cost and not actual cash value on personal property, Additional living expense when displaced by flood, contents and finished building materials in a basement, replacement cost on personal property and so much more. Again, better coverage, and higher limits than the SFIP government policy.
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. So once again, we would need to review your specific policy. Fill out the form and contact us.
Just remember, that it is critical when speaking with anyone in the insurance industry that you use the correct terminology, keyword phrases and descriptions. For Example: If a water heater leaked and caused damage by spreading and running into other rooms on that level, you would never say that you had a flood. My water heater flooded out of my home. This is totally the wrong verbiage to use.
What you say, will be held against you when reporting a Water Damage Insurance Claim. The phone call will be recorded word for word.
- Baseboard Hot Water – Radiator leak
- Condensation leak from air conditioner
- Dishwasher leak
- Drain line – Stack line
- Freezing of pipes
- Hot Water Heater
- Sewer Line Curbside
- Sewer Line Vandalism
- Sewer Line Burst
- Shower pan
- Shower Stall
- Supply line
- Toilet leak
- Tub diverter
- Washing machine hose burst
- Sump Pump failure need endorsement – and is not considered part of the plumbing system in the home.
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.
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.