Water damage is probably the #1 most common type of home insurance claim filed. If you have water damage, whether you have a new claim or you’re working with an existing claim, it’s time to get the professional assistance of a public insurance claim adjuster.
Our adjusters at Veteran are here to help with your water damage claim. Did you know that policyholders who seek the assistance of a Florida public adjuster recover an average of 574% more for water and fire damage related claims, than those who did not seek a public adjuster?
How Does Veteran Help with Water Damage Claims?
At Veteran we understand how catastrophic even the smallest water damages can be. There are many possible sources of water damage, including:
- Faulty appliances
- Burst pipes
- Cracked foundation
- Plumbing clogs
- Roof leaks
- Storm damage
- Flooding
Water damages can be costly to repair, but a skilled water damage insurance claim adjuster can help you get the most possible to fix your damages. Our adjusters will work to get you the highest payment for your water damage claim. With over 20 years experience, we understand the insurance claim processes and red tape, and we know how to get our clients the largest recoveries possible.
We Are Part Of The Process.
All The Way Through.
We are here to help, at no up front cost.
"A water pipe just broke, damaging my wood floor, carpet, and furniture. Does my Florida homeowners’ insurance policy cover this loss?"
Unfortunately, the answer is not simple and depends on the source of the damage. Florida homeowners’ insurance policies often do cover water damage, but are very specific on the kinds and types of water damage that are covered.
Sudden and Accidental: Most homeowners’ insurance policies cover water damage that is a “sudden and accidental discharge of water”. Maybe the toilet handle stuck in the down position and somehow caused your toilet to overflow while you are away for the weekend, causing water to soak your floor. Such a loss is probably covered.
If a water pipe breaks under your floor and a few weeks later you find the floor wrinkled, your policy likely covers this as well. Most homeowners’ insurance policies generally pay for damage from rain coming through a hole in the roof or a broken window if the hole is caused by violent winds, but for any less clear cases, it’s best to talk with professional claims adjusters like us!
For examples of some cases where oftentimes there is no coverage:
- Flood: No matter the source of the water, standard Florida homeowners’ insurance policies do not cover damage due to flooding. Flooding can occur from heavy rains or rising/surging bodies of water such as rivers, ponds, lakes and oceans. In these cases, you will need to purchase flood insurance to cover damage.
- Replacing or repairing the source of the water damage: While your policy may cover the cost of tearing out and replacing that damaged floor, most homeowner insurance policies will not cover the source of the water damage. For example, you shouldn’t expect your policy to cover the cost of replacing your broken water cooler, dishwasher, or pipe.
- Seepage: If water seeped into the flooring over time from a maintenance problem that was left unresolved, such as a damaged plumbing fixture or a leaking faucet, there is typically no coverage by the homeowners’ insurance policy.
- Water backup from an outside sewer or drain: If water backs into your home through an outside sewer or drain you also will not typically be covered by a traditional Florida homeowners’ insurance policy. You may, however, purchase additional sewer or water backup coverage (typically $5,000-$10,000 of coverage) that can help provide protection in case of such events.
If you have any concerns about water damage and your current coverage, give us a call today! Each homeowner’s insurance company is a little different and coverage can vary. Let us easily guide you through the differences and options to make sure you’re covered should you ever have to suffer from water damage.
The last thing you want as a homeowner is to discover your water damage claim was denied when you could have been better prepared. Let our 20+ years experience work for you! We regularly get our clients 574% more for water damage claims than homeowners who don’t have adjusters working on their side. There are no upfront costs for our services as we work on a contingency fee and only get paid when you get paid.
We are here to help! Call 888-61-CLAIM today for your complimentary insurance claim consultation with a licensed and bonded Florida public adjuster or simply fill out the form below and one of our licensed Florida public adjusters will contact you shortly.
