Water damage insurance claims are one of the most common types of property claims submitted to insurance providers throughout the United States.
And while water damage claims are the source of significant financial expenses for insurance companies, home and business owners are entitled to quick and fair responses from their providers.
What Type Of Water Damage Does My Insurance Policy Cover?
Each home or insurance policy is unique to the property it protects and offers varying degrees of water damage coverage.
That can include sudden and accidental or gradual water damage caused by:
- Buildup in areas prone to collecting water, including crawl spaces, attics, and basements
- Bursting or leaking pipes
- Clogged drain lines
- Faulty or malfunctioning household appliances
- Fire sprinkler malfunctions
- Heavy rain and flooding
- Hurricanes
- HVAC units
- Plumbing issues
- Roof leaks
- Sewage backups
- Sink or tub overflow
- Storm-related damage
- Toilet or sewage backups
- Water intrusion from breaches in a window or roof
Water damage can cause structural harm to homes, businesses, and condo buildings that should be covered by their insurance policies.
At StormClaim.com, our water damage insurance claims adjusters know that they are often underpaid or denied by their insurance company’s adjusters and their misinterpretation of the policy language, which allows them to deny coverage by stating the type of water damaged suffered is “not covered” of “excluded” under their policy.
Our veteran team of insurance claims and consultants focus on the language in each of our client’s policies to ensure we are targeting the proper coverage for their unique losses, so they have the best chance at maximizing their claim.
What Should I Do After Discovering Water Damage In My Home Or Business?
Water damage can ruin your home or business’s walls, floors, furniture, electronics, artwork, and other personal items in seconds. Imagine what hidden or sustained water damage can do to the integrity of your home or business’s structure, leading to expensive replacement and repairs, or an overwhelming total loss.
No matter how the water damage started, once it is discovered, you should:
- Take photos or video of the water damage throughout your home or business
- Document all damaged areas and items, including those to the structure and of the property that was affected or submerged by water
- Stop the source of the water damage, when possible
- Cleanup standing water or moisture after the damage has been fully documented to avoid slips, falls, or further damage to your possessions
- Do not begin restoration or replacement of your damaged property until your insurance policy is explored for coverage options
- Contact our skilled water damage insurance claims adjusters and consultants to learn the best approach to maximizing the financial recovery for your losses
You should not be held financially responsible for a disaster or an accident that was completely out of your control. At yourpropertyadjuster.com, we will determine the actual cost of restoring or replacing your damaged property from our team of experienced and highly qualified contractors, and advance your claim, so you can confidently plan for repairs to begin.
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Don’t Wait Until You Get a Denial Letter, Call Us Today
Free Consultation & Policy Review. We Don’t Get Paid if You Don’t Get Paid! Reopen your claim. Get paid what you deserve!
