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.
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.