Water Damage

Water Damage to Your Property

Water damage is 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.

Water Damage Claims in PA, NJ - American Claims Ensurance - LogoWater damage can result from:

  • Rain
  • Snow and ice
  • Burst pipes
  • Frozen pipes
  • Toilet overflows
  • Sump pump failures
  • Sewer lines

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 damages. 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  damage is covered under your insurance policy is confusing and a waste of time. Let the professionals at American Claims Ensurance determine whether your toilet overflow loss is covered.

When Dealing with Water, 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 is required. A specialized emergency services company may provide the best mitigation. After remediating the damage, a licensed general contractor may be needed to perform the repairs.

During the 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 3rd parties who are involved in the insurance claims process and the repairs.


American Claims Ensurance suggests contacting a public adjuster before you speak with your insurance company. When talking with your insurance company, be ready to provide the details of the damage , including the date of the loss, location of the water damage, list of damaged items, and condition of your home. The water damage insurance claims process is lengthy and tedious. Therefore, it is important to retain a public adjuster to handle your 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 a water damage claim 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 claims process.

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

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