Common Problems With Water Damage Claims
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Disputes over the source of water damage
Insurance companies often argue about whether damage came from a covered event (like a burst pipe) or an excluded cause (like gradual seepage or flooding). They may deny claims based on technicalities about the water's source.
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Hidden damage that goes undetected
Water travels through walls, under floors, and into hidden spaces. Insurance adjusters may only assess visible damage, missing the full extent of moisture intrusion, structural damage, and mold growth potential.
Lowball estimates for repairs and restoration
Water damage restoration is expensive. Insurers may underestimate drying costs, replacement materials, mold remediation, and the time required for proper repairs.
Lowball estimates for repairs and restoration
Water damage restoration is expensive. Insurers may underestimate drying costs, replacement materials, mold remediation, and the time required for proper repairs.
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Flood vs. water damage coverage confusion
Standard homeowners insurance doesn't cover flooding—you need separate flood insurance. Insurers may try to classify covered water damage as 'flooding' to deny your claim.
How Naiche Helps With Water Damage Claims
Water damage claims are tricky. The source matters, hidden damage is common, and insurance companies look for reasons to limit payouts. Here's how we advocate for you:
Identify all secondary damage including potential mold growth and structural issues
Document all water damage thoroughly, including hidden moisture with professional detection equipment
Prepare comprehensive claims that reflect the true cost of restoration
Negotiate for full payment of drying, repairs, and contents replacement
Counter insurance company arguments about coverage exclusions
Determine the source of water to establish coverage under your policy
Our Process for Water Damage Claims
1
Emergency Consultation
We'll assess your situation quickly and advise on immediate steps to prevent further damage.
2
Thorough Moisture Inspection
We use moisture detection to find hidden water damage in walls, floors, and ceilings.
3
Claim Documentation
We prepare a detailed claim showing all damage, including photos, moisture readings, and repair estimates.
4
Settlement Negotiation
We fight to ensure your claim covers all necessary restoration work.
Frequently Asked Questions About Water Damage Claims
What should I do immediately after discovering water damage?
Stop the water source if possible (turn off main water, etc.). Document everything with photos and video before cleanup. Remove valuables from the affected area. Don't throw anything away yet—damaged items may be needed for your claim. Contact your insurance company to report the damage, and consider calling a public adjuster before making any recorded statements.
How much does it cost to hire a public adjuster for water damage?
We work on contingency—you pay nothing upfront. Our fee is a percentage of your settlement, so we only get paid when you do. This aligns our interests: we're motivated to maximize your claim because our compensation depends on your success.
How quickly do I need to act after water damage?
Very quickly. Mold can begin growing within 24-48 hours of water exposure. Insurance policies also have requirements about promptly reporting damage and taking steps to prevent further loss. We can help you understand these requirements and ensure you don't inadvertently hurt your claim.
Can a public adjuster help if my water damage claim was denied?
Yes. Many homeowners come to us after their claims have been denied or underpaid. We can review the denial, gather additional evidence, and present a case for why your claim should be covered. We have experience overturning unfair denials.
Is water damage typically underpaid by insurance companies?
Yes, frequently. Water damage often extends far beyond what's visible, affecting areas behind walls and under floors. Insurance adjusters may only assess obvious damage, missing hidden moisture, structural concerns, and potential mold issues. A thorough inspection by professionals who work for you can reveal the full extent of damage.
Does homeowners insurance cover water damage?
It depends on the source. Sudden and accidental water damage (like burst pipes, appliance failures, or roof leaks from storms) is typically covered. Gradual damage from poor maintenance, flooding, and sewage backup are often excluded or require separate coverage. We can review your policy to help you understand what's covered.
What's the difference between flood damage and water damage?
In insurance terms, 'flooding' refers to water that enters your home from outside—like overflowing rivers, storm surge, or rising groundwater. This requires separate flood insurance. 'Water damage' from internal sources like pipes, appliances, or roof leaks is covered by standard homeowners policies. Insurance companies sometimes blur these lines to deny claims.
Will insurance cover mold that developed from water damage?
Mold coverage varies significantly by policy. Some policies cover mold that results from a covered water damage event (like a burst pipe), while others have limited or no mold coverage. We can review your specific policy and help you maximize any mold-related coverage you have.
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