Water damage and flood damage are often thought of as the same type of event, but in fact, they can be completely different, with one being covered and one excluded under common property insurance policies. Be careful of the terminology you use with your insurance company when you call in your claim.
At Veteran we are very well versed in water & flood damage coverage and policy language. We have adjusted thousands of water and flood damage claims over our 20+ years experience. We are second to none when it comes to getting the best water / flood claim / pipe break claim settlements possible.
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All The Way Through.
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Water Damage Insurance Claims
Water disasters can strike anytime anywhere. They are the most common insurance claim loss, and can be the most insidious and catastrophic, as sometimes it takes a long time for underlying issues to become apparent.
Events such as broken or frozen pipe leaks, leaks from appliances, sewage backup, or water entering from an opening in the roof due to heavy rain are typical water losses that are covered under many homeowner policies.
Insurance policy language can be very confusing for those who have not dealt with it. To receive fair compensation for a loss, you really need an experienced claims advocate on your side. Did you know the average water damage settlement was about 574% more than for those who did not work with a public adjuster (even more in cases with hurricane-related claims)?
Once water damage has occurred, the single most important thing you need to do is begin proper damage control. Removal and dry out should begin immediately. How a water loss is handled in the first 24 hours can be critical in the outcome of your property damage claim. You may want to get a public adjuster first thing, to guide you through this critical phase.
We often see insurance company adjusters try to save their companies money but not drying things out adequately or not replacing carpet, etc, when it really needs replacing. There are many details that need attention, such as making sure no work authorization forms are signed without express agreement from the insurance company that they will cover the charges. Not only do public adjusters get you a larger settlement, but they cover your back to make sure you don’t fall victim to some of the tactics used by unscrupulous insurance companies.
The next step in determining the extent of water damage involves moisture detectors and oftentimes the use of infrared cameras to determine the exact location of the water. The use of proper tools and procedures can greatly impact the restoration process. For example, proper disinfectant needs to be applied to prevent bacterial or fungal growth from causing further damage.
In general water loss tends to take time for the full effects to make their appearance. For example, separation and splitting will often not start to show up until much later. It’s important the proper tools and techniques are used in assessing the damage in order to properly resolve the issue once and for all.
The team at Veteran are considered top rated Public Insurance Adjusters and are some of the most qualified and experienced flood adjusters in the insurance industry. 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. We feel these numbers, and our stellar track record speaks volumes about our ability to get you the largest settlement!
Do you have concerns about flooding and your current insurance coverage? Give yourself peace of mind in 5 minutes! We’ll answer your questions and make sure you have the most appropriate coverage. And if you’ve had the misfortune of a flooding event, let us get you through the claim and recovery process! We know what it takes to get the maximum possible recovery for our clients, so give us a call at
Why Work with Public Adjusters?
Our firm is comprised of licensed public adjusters, the only type of adjusters exclusively licensed to represent the interests of Florida policyholders. We work for you, not the insurance company. Our Public Adjusters are Insurance Claim Experts that know how to properly present your loss and recover the maximum and full payment for your insurance claim. There are no upfront costs for our services as we work on a contingency fee and only get paid when you get paid.
The Office of Program Policy Analysis & Government Accountability (OPPAGA) an office of the Florida Legislature, performed a study on Florida Public Adjusters. In regards to hurricane-related claims, this study found that for daily claims such as water and fire damage claims, policyholders who utilized the services of a licensed Public Adjuster in Florida recovered an average of 574% more than those that were not represented or were represented by someone other than a public adjuster. We feel these results speak for themselves.
Don’t let the insurance company and their adjusters dictate the outcome of your claim. 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.
