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Claim Types

Water & flood
damage claims

Know the difference between water damage claims and flood claims,
and get the service you need to settle for better.

We navigate the rough waters of your water or flood insurance claim for you

While water damage and flood damage might seem interchangeable, they are actually very different loss types. In fact, flood damage is not covered by your run-of-the-mill property insurance plan and requires its own separate policy. Some of the most common water losses come from frozen or broken pipes, appliance leaks, sewage backups and heavy rain making its way through roof openings or windows. Whereas flooding happens when water rises excessively on land that’s normally dry. Regardless of whether you’re dealing with a water or flood claim, we have the training and moisture detection technology it takes to capture the full extent of damage. And our insurance expertise helps you reach your fair settlement faster.

Handling your water and flood
claims from start to finish

Step 1

Inspection

Step 2

Estimation

Step 3

Preparation

Step 4

Negotiation

Step 5

Settlement

WHAT SHOULD I DO WHEN MY
PROPERTY GETS WATER DAMAGE?

Document damage
01 Before filing the claim, photograph and video all the damages. For example, record leaking water and its origin.
Mitigate damages
02 Policyholders are required to protect covered property from further damage. Failure to do so may result in denied coverage. Start by drying your property as soon as possible. A qualified mitigation company can assist in this process and will have air movers, dehumidifiers, and other drying equipment. Be careful about extensive demo and/or flood cuts. Ask to for copies of moisture maps/drying logs to verify status. (Pro tip: See ANSI/IICRC standards and prescribed dry-out processes by water class and category.)
Inspect & estimate
03 Request a complete copy of your property policy from your insurance agent if you don't have one readily available. Contact a qualified damage expert like a public adjuster to inspect, verify and quantify damage with an estimate. Avoid submitting frivolous claims where damages don’t exceed your deductible or the property didn’t sustain a covered cause of loss under your policy.
File the claim
04 Once you’ve determined the need for a claim, submit the claim to the carrier. Include all of the detailed information you have compiled in the steps above. Also, be aware of time limits that may apply, including:
    • Making claim for replacement cost value (RCV)
    • “Suit Against Us” provisions
    • Proof of Loss
    • Statutory requirements
    • Business interruption/extra expense
Start a claim diary
05 List every person/adjuster with whom you speak and the date they inspect the property. Keep an account of conversations and always get as much possible in writing. (Pro tip: summarize important phone conversations in an email back to the insurance adjuster making sure to verify any verbal commitments in writing.)
Prep for the adjuster
06 Consider hiring a public adjuster, who will prepare the estimate and claims package for you before the adjuster even steps foot on the property. Be aware of common “red flags” and contact a public adjuster or attorney if any of the following occur:
    • A need for engineers
    • Short inspections
    • Mentions of damages under deductible
    • Reservations of Rights
    • Claim denials or delays
    • Examination under oath (EUOs)
Get a valuation of damage
07 Twenty-two of the 25 major U.S. insurance companies rely on the estimating software, Xactimate, to quantify damage. If your contractor does not use Xactimate, that’s okay. However, consider bringing in a public adjuster who does use this software in order to produce the most thorough, accurate estimate and ensure every nook and cranny is included in the scope.
Get payout/complete repairs
08 Before you sign a waiver of rights or a Proof of Loss, make sure you are satisfied with the proposed settlement. Signing documents like these can oftentimes prevent you from recovering anything further, including supplements.
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Get service tailored to
your industry

Agriculture

Get your business operational again with a fair agricultural insurance settlement.

Commercial
business owners

Get the right settlement for your industrial, SMB or REIT claim.

Property
managers

Let us take on the claim process and reach a fair settlement for your HOA or multifamily complex.

Contractors

Save time, ensure your clients get what’s rightfully owed to them and get paid faster with an insurance partner.

Common questions about
water and flood damage claims

Understand the important things to consider and get answers to your top
questions around your water or flood insurance claim.

Typically an "act of god" claim will not increase your premium. However, even if you don't submit a claim or are not affected by a large catastrophic storm, you may see a rate increase as many other people submit claims.

Who do you trust, your contractor or your insurance adjuster? If you have an active claim and you have a large dispute between the amount paid by insurance and what your contractor is stating, it's a good idea to contact a public adjuster, who can assist you in disputing the claim.

If you have a claim denial or a partially denied claim, it is a good idea to have a licensed public adjuster or attorney review the file to provide a secondary coverage opinion. Our team can review your claim for free.

A qualified restoration contractor can provide an estimate and guide you through the residential claims process. However, if you own or manage a commercial property, policies become more complex and require more detailed reviews of coverage. Oftentimes, insurance companies will require detailed estimates written in a software program, Xactimate. And unfortunately, the vast majority of commercial property claims are underpaid. Our team is certified in Xactimate and includes one of only 48 Xactimate Certified Trainers in the nation. We also have the insurance knowledge and industry expertise you need to ensure your claim is filed accurately, negotiated professionally and paid fairly.

A public adjuster can help with scaling your company by taking out the everyday minutia of writing an estimate, corresponding with stakeholders and insurance company reps and navigating policy intricacies. We also have the training and expertise to handle claim red flags on behalf of you and your customer, including when/if to engage an engineer, policy coverage, delays, unwarranted denials or underpayment. Furthermore, there are legal limits to what a contractor can do when dealing with insurance claims. Contractors working with policyholders should check the public adjuster statutes in their jurisdiction to ensure they are not acting as an unlicensed public adjuster when assisting in claims.

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