WATER DAMAGE INSURANCE CLAIMS
Cleveland Public Insurance Adjusters is an independent public adjusting company offering private insurance claim assistance to commercial and residential property homeowners facing a covered insurance loss due to fire, water, flood, mold, storm wind, hail, tornado, lighting, content loss damage claims in the Cleveland, Tennessee area.
Is Water Damage Covered by Your Insurance Policy?
In most standard insurance policies, there are various types of water damage covered. When handling a water insurance claim, it is important to have someone who understands your policy coverages and can ensure that the insurance companies won’t withhold the full value of your claim. Water and mold damages cost insurance companies upwards of $2.5 Billion every year. When it comes to dealing with water damages, we can help to ensure the full property value is recuperated.
Water Damage Insurance Claim Tips
Use these insurance claim tips to help your claim stay on track:
- Request a certified copy of your insurance contract from your agent or insurance adjuster outlining your coverage, including mold provisions, limitations and your responsibilities. An experienced public adjuster can help you interpret policy language.
- Begin mitigation of the water damage, but do not begin restoration of your damaged property. Restoring your property should only begin after you and your insurance company have agreed to the exact scope of damage.
- Document all damage with photos or videos.
- Request that your insurance adjuster use moisture mapping technology, such as infrared or thermal imaging, to diagnose and document the extent of water damage. A public adjuster can accomplish this in the event that your insurance company does not.
- Obtain your own estimates to determine the true cost of restoring or replacing your damaged property. A minimum of three independent estimates from qualified general contractors should be obtained.
- Demand a written explanation from your insurance company in the event that your claim is not fully settled within 45 days of filing.
- Contact a trusted public insurance adjuster if your insurance company is not responsive, unhelpful or has asked you to submit a Proof of Loss Form or any other document that may forfeit your rights.
Water Damage Claim Denied?
If you suspect that your water damage claim has been wrongfully denied, an experienced public adjuster can assess the true and full value of your insurance claim and help you interpret your insurance policy language.
You should absolutely obtain a second opinion if your insurance company has denied your water damage insurance claim due to any of the following:
- “A long ongoing leak.”
- “An unrepaired leak.”
- “A preventable maintenance issue.”
- “Failure to mitigate damages.”
- “Failure to maintain heat and electricity to a building resulting in burst or broken pipe.”
- “Failure to drain or properly maintain sprinkler system.”
Don’t Take Chances with Your Claim Settlement
If your water damage claim has been underpaid or denied, you still have options.
If we can pinpoint a valid reason to reopen your water damage claim, our claim adjusters will aggressively and diligently pursue an increased settlement on your behalf, and our 100 percent success rate speaks to why our clients choose us again and again. You don’t pay us unless we win you a larger settlement. It’s that simple. Contact us today to get started.
