Water Damage Insurance Claims Philadelphia

Water damage claims are one of the most common types of property insurance claims. Water will always find the path of least resistance. An extreme amount of water can destroy your buildings foundation. Additionally, if the damage is not remediated immediately, mold will form and destroy the interior of the building. We are your water damage claims experts for the Philadelphia and surrounding areas.

 

Water damage can result from:

Toilet overflows

Damage caused by toilet overflows, bursts pipes, sump pump failures, and sewer lines in homes or businesses can amount to thousands of dollars in water damage claims.

 

Is this damage covered by homeowners or business policies? The answer is, it depends on the type of insurance policy you have. Trying to determine whether a toilet overflow and its associated water damage is covered under your insurance policy is confusing and a waste of time.

 

Let the professional public adjusters at American Claims Ensurance determine whether your toilet overflow loss is covered. Let us handle your water damage claim from start to finish. Our claims adjusters are certified in Philadelphia, Pennsylvania, and New Jersey.

 

It is important not to confuse a water damage claim (plumbing leaks) with flood damage claims.

 

When dealing with water damage, fast action is critical.  Water may damage property components and personal property.  The first action is to minimize the water damage and to find and stop the source of the leak.  A licensed plumber may be needed to properly complete the repairs.

 

Next, drying and cleaning of the water damage is required.  A specialized emergency services company may provide the best mitigation.

 

After remediating the water damage, a licensed general contractor may be needed to perform the repairs.

 

During the water damage claim related repairs, some additional code upgrade related repairs may be needed. Most policies have code upgrade coverage or ordinance and law coverage. This coverage is very important for older buildings, the older buildings may need to upgrade the damaged items to comply with the most recent codes.

 

A public adjuster may assist the policyholder in dealing with their insurance company and any other 3^rd parties who are involved in the water damage insurance claims process and repairs.

Don’t Wait to File Your Water Damage Claim!

American Claims Ensurance suggests contacting a public adjuster before you speak with your insurance company regarding your water damage claim. When talking with your insurance company, be ready to provide the details of the water damage incident, including the date of the loss, location of the water damage, list of damaged items, and condition of your home.

 

The water damage claims process is lengthy and tedious. Therefore, it is important to retain a public adjuster to handle your water damage claim from the onset. Even if you remain in contact with your insurance provider, you may still need to take on some initial expenses yourself. The expenses you may incur immediately after water damage claims can consist of temporary housing or temporary relocating your business to another address.

 

Therefore, it’s extremely important to contact us when water damage occurs. We will minimize your out of pocket expense and request funds from your insurance company to maintain your lifestyle or keep your business running throughout the water damage claims process.

Why Trust Us to Handle Your Water Damage Claim