Get the Settlement You Deserve After Water Damage
Water damage can strike without warning and cause significant destruction to your home or business. Whether the damage results from a burst pipe, overflowing toilet, appliance failure, roof leak, or sudden plumbing issue, the costs can quickly add up. Unfortunately, many property owners discover that their insurance company’s estimate does not fully account for all damages.
At ACE Public Adjusters, we represent policyholders throughout Pennsylvania and New Jersey. Our experienced public adjusters work directly for you—not the insurance company—to ensure your water damage claim is properly documented, thoroughly evaluated, and aggressively negotiated.
If you’ve experienced water damage, don’t settle for less than what your policy provides.
Call 800-204-2463 today for a FREE claim consultation.
What Causes Water Damage?
Water damage can occur from a variety of unexpected events. Some of the most common causes include:
Burst Pipes
Frozen pipes, aging plumbing systems, and sudden pipe failures can release large amounts of water into your property within minutes.
Appliance Failures
Washing machines, dishwashers, refrigerators, ice makers, and water heaters can all fail unexpectedly and cause extensive water damage.
Roof Leaks
Storms, wind damage, missing shingles, and deteriorated flashing can allow water to penetrate your roof and damage ceilings, walls, and insulation.
Toilet Overflows
Overflowing toilets and failed supply lines are among the most common residential water loss claims.
HVAC System Leaks
Air conditioning systems and condensate drain lines can leak and create hidden moisture issues.
Plumbing Failures
Broken fittings, supply lines, and concealed plumbing leaks can cause significant damage before they are discovered.
Water Damage Often Extends Beyond What You Can See
Many homeowners only see the visible damage. However, water frequently travels behind walls, under flooring, inside cabinetry, and throughout structural components.
Hidden moisture can damage:
- Drywall
- Insulation
- Hardwood flooring
- Laminate flooring
- Cabinets
- Baseboards
- Structural framing
- Electrical systems
- Personal property
If moisture is not properly identified and addressed, it can lead to additional deterioration and microbial growth.
Common Problems With Water Damage Insurance Claims
Underpaid Claims
Insurance company estimates frequently overlook:
- Hidden moisture damage
- Flooring replacement requirements
- Cabinet damage
- Paint and finish matching
- Insulation replacement
- Personal property losses
- Necessary demolition
- Code upgrades
Delayed Claims
Delays can increase repair costs and prolong disruptions to your home or business.
Denied Claims
Many water damage claims are denied based on allegations of:
- Long-term leakage
- Wear and tear
- Maintenance issues
- Pre-existing conditions
Our team reviews the policy language, investigates the cause of loss, and challenges improper denials when warranted.
Why Hire a Public Adjuster for Water Damage?
When a water damage loss occurs, the insurance company assigns an adjuster to evaluate the claim. While that adjuster works for the insurance company, a public adjuster works exclusively for you.
| Insurance Company Adjuster | ACE Public Adjusters |
|---|---|
| Represents the insurer | Represents you |
| Controls claim payments | Maximizes claim value |
| Creates insurer estimate | Creates independent estimate |
| Protects insurer interests | Protects your interests |
| Evaluates damage for carrier | Documents all covered damage |
Our objective is simple: obtain the maximum settlement available under your policy.
Our Water Damage Claim Process
1. Free Consultation
We review your loss and discuss your situation.
2. Property Inspection
Our adjusters perform a detailed inspection of all affected areas.
3. Policy Analysis
We review your insurance policy to identify available coverage.
4. Documentation
We photograph, measure, and document all damage.
5. Estimate Preparation
We prepare a comprehensive estimate of the damages.
6. Negotiation
We negotiate directly with the insurance company on your behalf.
7. Settlement
We work to secure the highest possible recovery under your policy.
Types of Water Damage Claims We Handle
- Burst pipe claims
- Frozen pipe claims
- Plumbing leak claims
- Appliance leak claims
- Water heater failures
- Toilet overflow claims
- Roof leak claims
- Ceiling water damage
- Hidden water damage
- HVAC leaks
- Commercial water losses
- Condominium water losses
- Apartment water damage
- Multi-family property losses
- Storm-related water intrusion
- Emergency water damage claims
What To Do Immediately After Water Damage Occurs
- Stop the source of water if possible.
- Protect the property from further damage.
- Document the damage with photographs and videos.
- Save damaged items when safe to do so.
- Contact a qualified mitigation contractor.
- Notify your insurance company.
- Contact ACE Public Adjusters before accepting a settlement offer.
The actions taken during the first 24 to 48 hours can significantly affect the outcome of your claim.
Areas We Serve
ACE Public Adjusters proudly assists property owners throughout:
- Pennsylvania
- New Jersey
- Philadelphia
- Bucks County
- Montgomery County
- Delaware County
- Cherry Hill
- Moorestown
- Princeton
- Trenton
- Yardley
- Southampton
- Newtown
- Warminster
Frequently Asked Questions
Is water damage covered by homeowners insurance?
Many sudden and accidental water losses are covered. Coverage depends on the cause of the loss and the policy language.
Can hidden water damage be covered?
Yes. Hidden damage resulting from a covered cause of loss may be covered under many policies.
Should I hire a public adjuster before filing a claim?
The earlier a public adjuster becomes involved, the better positioned you are to document the loss properly.
Can you help with denied claims?
Yes. We regularly review denied and underpaid claims and help policyholders pursue additional recovery when warranted.
How much does a public adjuster cost?
Public adjusters are generally compensated based upon a percentage of the claim recovery, meaning there are typically no large upfront fees.
What if the insurance company already inspected?
You can still hire a public adjuster at any stage of the claim process.
Why Property Owners Choose ACE Public Adjusters
✓ Licensed Public Adjusters
✓ Residential and Commercial Claims
✓ Experienced Water Damage Specialists
✓ Detailed Claim Documentation
✓ Professional Negotiation
✓ No Upfront Consultation Fee
✓ We Work Exclusively for Policyholders
✓ Pennsylvania and New Jersey Coverage
Don’t Let the Insurance Company Decide What Your Claim Is Worth
ACE Public Adjusters works to identify every covered component of your loss and pursue the maximum recovery available under your policy.
Call 800-204-2463 Today acepublicadjusters.com
Free Consultation • No Recovery, No Fee • Serving Pennsylvania & New Jersey