Lots of houses are ruined by water each year. Such claims are the second largest in the United States, per the Insurance Information Institute. Homeowners’ insurance policies typically handle claims arising from such events, and in some cases, flood insurance is mandated.
As a fluid, water can flow around obstacles with ease. It can cause a mess in places you wouldn’t expect it to go and have far-reaching consequences. Accordingly, claims for water damage require caution and thoroughness.
Water Damage Covered By Homeowners’ Insurance Policy
The typical sources of water damage are typically covered by a standard homeowners’ insurance policy. However, for the sake of clarity, the following items are included:
1. A pipe bursts.
2. Property damage due to water seepage.
3. Water is leaking in through the roof.
4. Devastating floods (may be covered by the insurance policy, or you may have to buy additional coverage for it).
5. Water tank rupture
6. sprinkler system’s leaky automatic sprinkler.
Water Damage NOT Covered By Homeowners Insurance Policy
Here’s a sneak peek at what your homeowner’s insurance policy won’t protect you from. You can avoid filing frivolous claims if you know this information in advance. These occurrences, then, are not included:
1. Flood damage caused on purpose.
2. Water damage caused by normal wear and tear, depreciation, and loss to the home’s physical structure.
3. Destruction brought on by nuclear weapons or other sources of ionizing radiation.
4. maintenance issues that have gone unaddressed
Can all lead to expensive repairs.
There may be other limitations as well. Since policies vary from insurer to insurer, A direct question to call Trusted Public Adjusters at 307.702.0014 or by email at Help@PayMyClaim.Info
Our team of experts can evaluate your coverage and provide a free property inspection.
Water Damage Claims Filing
Filing a claim is not the first step in the claims process. It starts a long time before the actual claim settlement takes place and has a significant impact on how smoothly things go. Here’s what you should do:
First and foremost, make sure you and your family are safe. Every house has electrical appliances, and it is common knowledge that water and electricity don’t mix well. Therefore, your first priority should be to make sure everyone in the house is safe. Powering down, turning off the gas, leaving the building, etc. are all options.
If you are not in immediate danger, you should take steps to stop any additional damage to the property. Limiting the damage is a must. If residents could have prevented the loss by taking simple precautions, the insurance company would not pay for their loss. Turning off the water and calling the water company right away are two examples of what can be done to prevent further damage, but other preventative measures include sandbagging, mopping up, and so on.
Third, call Trusted Public Adjusters to assist in documenting the property damages, analyzing your policies for hidden limitations or exclusions, and reporting your claim the correct way. It would be unfair to make a claim without giving them any warning. Prompt notification is a key factor in this and why calling Trusted soon is important.
For the sake of evidence, you should take pictures of the damaged area. The broken items should stay where they are. Get as many pictures as possible and provide them to our Trusted adjuster during the initial visit to your home.
Trusted Public Adjusters will work quickly on making an estimate for your damages and presenting it to your insurance company on your behalf. We will represent you throughout your entire insurance process so that the claim is done right. Years of experience in the insurance industry has allowed us to provide Trusted service and provide Trusted results.
Submit Your Claim – Submitting a claim requires a lot of paperwork, including proof of identity, documentation of your loss, an estimate to fix the damage, and other related paperwork. The insurance policy will answer these questions, or you can ask the insurance agent any specific questions you have. Filing the claim carefully is important because it must contain only true and accurate information. Our Trusted team will take care of the entire process so that you do not have to worry.
We are here for you!
Our staff is properly trained to make the insurance claim process as smooth as possible. We will answer your questions, and provide a clear path on resolving your needs and concerns.
Adherence to the Insurance Provider’s Guidelines
Be mindful that the insurance company will only compensate you for losses that are actually covered by your policy. Everything you need to know is spelled out in the fine print of your homeowner’s insurance policy. That’s why it’s so crucial that you grasp it totally. Any questions can be directed toward our Trusted Public Adjusters. Don’t fall into the trap of thinking you know everything. It’s safer to err on the side of caution when handling claims, as each one is different.
A public adjuster may be an option you’ve considered. In that case, the following lines just might convince you to hire one. A public adjuster’s primary allegiance is to the policyholder, not the insurer. Second, they have a great deal of experience in resolving claims favorably. A third benefit of hiring a public adjuster is that they handle everything on your behalf; all you have to do is sign the paperwork and be available for any meetings that may be required.
Trusted Public Adjusters is a dependable business with hundreds of customers, companies, and condo and homeowners who have relied on us to resolve a wide variety of claims that were either too complex or impossible to handle on their own. Our goal is to secure the maximum settlement for our clients so that they do not incur a financial loss. Just dial (305) 702-0014 to get in touch with us. With our help, you can rest assured that the entire claim settlement procedure will go off without a hitch. Help@PayMyClaim.Info