You went to work this morning and were worried about traffic. Meanwhile, a pipe in your kitchen sprung a leak and you’ve come home to an inch of water on your kitchen floor, and water damage in your kitchen. The sides of your cabinets are swollen. The drywall is wet. It seems like your wood cabinets were made of cardboard. Is your insurance company arguing with you over repair or replacement cost? Are you worried about mold and water mitigation? The last thing you want to deal with is a frustrating water damage insurance claims process. We can help file your water damage insurance claims and get you the maximum insurance payout.
When to File Water Damage Insurance Claims
Water damage isn’t only a nuisance to your daily life and routine, there are health risks and it can also be very dangerous.
Often times the damage from water is caused when a problem goes without being noticed. It may take weeks or even months before the damage shows up. Time is of the essence when you are dealing with any type of water damage, and the key is to act fast!
What’s Covered Under Water Damage Insurance Claims?
Not only can the water ruin your carpets, ceiling, and furniture, but it can also destroy precious family possessions, important documents, and irreplaceable, personal items.
You may need to vacate your home during the repairs, and the disruption of your normal routine could really have a huge impact on your way of life. Having to stay in a hotel or at a friend’s home isn’t the way you want to spend your week, or sometimes, weeks.
Water damage can take many different forms and show up in your home or business in a number of different ways. If you suspect that you might have water damage, it’s important to know what the common causes are so that you know how to prevent minor water damage from turning into a huge problem.
Common Causes of Water Damage
- A leaky roof from a passing rainstorm or melted snow from a snowstorm
- A broken pipe from your garbage disposal
- Condensation around your air conditioner
Even if the issue is handled swiftly, water damage has been known to wreak havoc even months down the road. Often times the leak isn’t noticeable and may be behind a wall or in the ceiling.
The longer a leak goes unnoticed, the more money it can cost you to get fixed. Moving quickly also increases the chance that your personal belongings can be saved or restored.
Water Caps Can Limit Your Payouts
A water cap is language in the policy that limits the amount the insurance company has to pay for a water loss. Typically, we have seen these with limits as low as $10,000. This means that irrespective of the amount of damage, the maximum that the insurance company would pay is $10,000. If a pipe bursts in your kitchen, this would not cover the loss to cabinets, drywall, baseboard and flooring. Be aware.
SCHEDULE A FREE CONSULTATION FOR WATER DAMAGE CLAIMS
“PUBLIC LOSS ADJUSTERS CAN NEGOTIATE A PAYOUT THAT IS 20% TO 60% HIGHER THAN YOU CAN GET ON YOUR OWN.”
We can help by documenting the damaged kitchen and estimating the replacement and repair costs. Public Loss Adjusters can help you. We will document your loss and create a detailed estimate in a language that the insurance company understands. We use facts, figures and your own policy language to aggressively advocate on your behalf for a higher claim payment.
DON’T TAKE OUR WORD FOR IT, HEAR FROM OUR CLIENTS
I recommend Public Loss Adjusters without hesitation! I finally hired them after being overpowered by the insurance company. I couldn’t take their insistence in declining to pay fairly. They secured the settlement and we got their asking price.
~Beverly M.
Es una compañia con mucho carácter profesional. Ellos manejaron todo con la aseguradora con su conocimiento mucho mejor a que si lo hubiese hecho solo. Tengo mi dinero y me sobro. Ninguna queja. Gracias PLA!
~Marco V.