PUBLIC ADJUSTER BOCA RATON | RELIANT INSURANCE ADJUSTERS

  • Home
  • About Us
    • FAQ's
    • Meet the Team
    • Our Mission
    • Feedback
  • Professional Services
    • Property Damage
    • Appraisal Services
    • Umpire Services
    • Pre-Damage Inspections
    • Estimating Services
    • Public Adjuster
    • Insurance Adjuster
    • Independent Adjuster
  • Testimonials
  • Claim Tips
    • Articles
    • Checklists
  • Reliant Blog
  • Contact Us
  • Home
  • About Us
    • FAQ's
    • Meet the Team
    • Our Mission
    • Feedback
  • Professional Services
    • Property Damage
    • Appraisal Services
    • Umpire Services
    • Pre-Damage Inspections
    • Estimating Services
    • Public Adjuster
    • Insurance Adjuster
    • Independent Adjuster
  • Testimonials
  • Claim Tips
    • Articles
    • Checklists
  • Reliant Blog
  • Contact Us

Reliant Blog

When to Make a Water Damage Claim

12/28/2021

1 Comment

 
Picture
The Insurance Information Institute reports that one in every 50 American homes experience water damage. Water damage can be caused from a plumbing leak, storms, air conditioning leaks and even when the fire department uses water to extinguish a fire. The effect of water damage on your property can be catastrophic and not to mention expensive. Repairs can range between hundreds and thousands of dollars, depending on the extent of the damage. If your property has sustained water damage, let our public adjusters in Palm Beach County know about it as soon as possible so they can help you get the claim you deserve. 

When Should You Make a Water Damage Claim? 
What Type of Water Damage is Covered by Your Insurance Policy? 
  
Insurance companies are fully aware that water damage is not uncommon, so the policies they offer are very detailed but can also be restricted. If you read your policy, you will find that it only covers specific water damage. As you know, water damage can have numerous sources such as the following:   
·      Accidental water discharge 
·      Water damage due to a storm 
·      Accidental sewer overflow or backup 
·      Flood damage 
  
Insurance policies only cover sudden and accidental causes of loss that cause damage to your property. For example, if a pipe suddenly bursts, the claim should be covered as long as you stop the leak.    
Insurance policies are confusing for various reasons. It will read and include coverage in one section, then exclude the coverage in another section, then the insurance company will include an endorsement that changes the policy altogether. The best way to know what your coverage is to review your policy. An experienced public insurance adjuster can review and interpret your insurance policy. 
  
What Types of Water Damage Are Not Included?  
  
Water damage that is continuous and has been ongoing for a period of time is excluded in most policies and therefore, the resulting damage will not be covered. Sometimes the policy will have verbiage that allows coverage for damage that is not visible and is hidden or unknown to the policyholder.  
Water damage due to wear, tear and deterioration is not covered. Some examples of gradual water damage that is not covered under insurance policies are as follows:  
  • Lack of maintenance.  For example, if your faucet leaks and you do not repair the leak, and the leak causes extensive water damage. 
  • Deteriorated pipes or plumbing fixtures that leak gradually. Your insurance policy will not cover damage caused by continuous, repeated seepage and leakage. 
  • A crack in your property’s foundation that allows water to seep into the interior of your property. 
  
Why Did My Claim Get Denied? 
  
There are many reasons why an insurance claim for property damage can be denied. If the damage to your property falls under the deductible, or has been going on for a period of time or comes from a source that is not covered in the policy, your claim can be denied.  It is important to understand your coverage and the cause of loss before filing an insurance claim. 
If you are unsure if your property damage is covered, or you feel you were underpaid on your insurance claim, the best person to assist is a public insurance adjuster. 
  
Are You Looking for Reliable Public Adjusters in Palm Beach County? 
  
If you are looking for a public adjuster you can trust, we are here to help. At Reliant Insurance Adjusters, we have your best interest at heart and treat every property damage claim as if it were our own. 
  
We understand the stress that comes with handling insurance claims and will alleviate you of that stress.  Our team has the knowledge and experience to get you the highest possible settlement for your claim. Give us a call to learn more about what we do. 
1 Comment
1-800 WATER DAMAGE Services link
2/1/2022 02:52:16 am

The rising global temperatures coupled with the increasing population of the world have led to an increased frequency in water damage caused by natural disasters. The following disaster types are most likely to cause water damage: floods, hurricanes, tsunamis, and tornadoes. In the event that a person experiences a flood or other natural disaster that causes water damage to their home or business, they should call 1-800 WATER DAMAGE Services for emergency assistance.

Reply



Leave a Reply.

    Author

    Karen Schiffmiller

    CALL US:
    561-288-6434

    Reliantpa.com

    Archives

    May 2025
    April 2025
    March 2025
    February 2025
    January 2025
    December 2024
    November 2024
    October 2024
    September 2024
    August 2024
    July 2024
    June 2024
    May 2024
    April 2024
    March 2024
    February 2024
    January 2024
    December 2023
    November 2023
    September 2023
    August 2023
    June 2023
    May 2023
    April 2023
    March 2023
    February 2023
    January 2023
    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019

    Categories

    All
    Independent Adjuster
    Insurance Adjuster
    Public Adjuster

Proud Members

Picture
Picture
Picture
Reliant Insurance Adjusters LLC BBB Business Review

Opt Out Cookies
​Terms of use 
Privacy Policy
​
RELIANT INSURANCE ADJUSTERS LLC
Karen Renée Schiffmiller Lic #P031839
Scott David Scovin Lic #P120375
Firm License #W805811

HEADQUARTERS
​
7777 Glades Road, Suite 100
Boca Raton, FL 33434
561-288-6434
​© 2021 Reliant Insurance Adjusters LLC, All Rights Reserved.
Photo from fauxto_digit