As a public adjuster, I handle water damage claims almost every day. In fact, in my experience, the most common homeowners claim (non-weather related) submitted to an insurance company involves some sort of water damage inside the home or business.
If I had to break it down, water damage claims comprise about 85% of the claims that I handle. This is because there are many sources of water in your home or property which have the potential to eventually fail, causing water leaks and damage. I have handled water damage claims which were caused by broken dishwasher water feed lines, refrigerator ice maker lines, shower pans, toilets, under sinks, underground pipes, air conditioners, and roof. Ultimately, any one of these water leaks is sure to cause a huge mess in your home.
Collateral Water Damage–what is it? Call F.A.P.A. @ 954-659-8333 for a Free Evaluation.
What many homeowners are unaware of is the extent to which a small amount of water can damage surrounding structures. In fact, many times surrounding structures are not actually damaged, but in order to make the repair properly, these surrounding structures are repaired or replaced as well. Thus, a proper repair will include the removal of other things, and your insurance company is required to pay. Not surprising, insurance companies often times overlook this.
Example 1: Damaged drywall behind a kitchen cabinet. How does a homeowner replace the damaged drywall without completely removing the cabinets? This is what I call collateral damage.
Example 2: If you remove a kitchen countertop, it is necessary to remove the backsplash as well.
What I mean by this, is that there is almost always more expenses and work than what meets the eye, and it helps to be an experienced insurance adjuster in order to evaluate and assess the total extent of your damage. A homeowner does not want to miss anything and he doesn’t want to be shortchanged.
All things considered, please don’t for a minute believe that the best route to take is to trust that the insurance company adjuster will thoroughly evaluate your claim and make sure every little item is included and presented to the insurance company. Remember, insurance company adjusters work for insurance companies. They don’t work for you. They have an obligation to their employer. Therefore, you need a professional adjuster who will work on your behalf, not the insurance company’s behalf, and not miss a single thing.
This is why I recommend you call my office. You need an adjuster who is on YOUR side and will put YOUR best interest ahead of the insurance company’s best interest. Make sense?
Call my office and speak directly to me. 954-659-8333