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PREMIUM PAYMENT RELIEF

WATER DAMAGE CLAIM PROCESS

WATER DAMAGE INSURANCE CLAIM

If you’re currently filing a Water Damage Insurance Claim, it is important to get in contact with a water damage public adjuster that can offer a clear understanding of your insurance claim. At Premium Payment Relief, our team has years of experience in the insurance claims industry with millions recovered for our clients. 
Water damage can be quite common, and will ruin wood fixtures, electronics, flooring, carpet, furniture, baseboards, finishings, and bedding. Losses due to water exposure are so common the insurance industry has reported them to be the most frequent claim type they see. They have also started excluding or capping them in a lot of insurance policies.

 
 
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COMMON TYPES WATER DAMAGE INSURANCE CLAIMS

  • Leaks due to roof and/or shingle damage

  • Ceiling damage

  • Sewer Line Damage 

  • Burst Water heater 

  • Broken drain lines

  • Broken supply lines

  • Broken angle stops

  • Shower Pan Leak

  •  Pipe Break

  •  Dishwasher Water Leak 

  • A/C Unit leak

  • Garbage Disposal Leak

  • P-Trap Leak

 
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WATER DAMAGE PROCESS

DRY OUT WATER DAMAGE

Wood framing, subfloors, and drywall become saturated with water during a flood, so it’s important to dry them out fast to minimize the growth of bacteria and mold. Commercially available fans are helpful, but professionals typically use industrial air movers, which are much more powerful and help speed the evaporation process along exponentially. We generally use one of these industrial air movers for every 10 feet of wall space.

CUT OUT WATER DAMAGE

It’s critical to remove wet carpet and furniture when mitigating an area. Some carpet can be dried and saved, but if your flood was caused by a sewer backup, it will need to be thrown away. Either way, this is usually a hefty job and best saved for the professionals.

ADJUSTER INSPECTION

An insurance adjuster works for the insurance company. 

After the adjuster submits a report on your claim, the adjuster will come to personally assess the damages on your property. We will be there at every step of this process.

FULL KITCHEN / BATHROOM  REMODEL

Your insurance company may issue a settlement, which is the money they agree to give you to fix or replace your damaged property, for example, remodel your kitchen or bathroom with one of our affiliated general contractors.

 
WATER DAMAGE TIPS
  • If you can, turn off the water from the mains.

  • Get a plumber out to fix the issue ASAP to stop the leak.

  • Have the affected areas dried out as soon as you can.

  • Take pictures during and after the water Damage has occurred.

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HOW CAN WE HELP?

The initial contact with your insurance carrier is critical. This contact can be the difference between your claim being paid or getting denied.
Differentiating between belongings and property that can be repaired vs replaced can be overwhelming.
The many requirements and the extent of the damage all come into consideration at this point in your hurricane damage insurance claim. It’s hard to properly calculate what amount will effectively cover all the damages to your home. It may seem like the insurance carrier paid you enough. In reality it could require so much more to repair your home and bring it back to Pre-loss condition.
The complexity and time-consuming tasks can be taken off your hands by our team.
Let us help represent you and help you navigate your hurricane damage insurance claim.

 
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