Written by Pankil

July 31, 2022

Water damage public adjuster

When Do You Need a Water Damage Public Adjuster?

A disaster leading to water damages can happen anytime, anywhere. Generally, the events are sudden and accidental. Indeed, water damages can result from frozen pipe leaks, a pipe burst, broken pipes, leaks from washing machines and heavy rain and windstorms. The question for homeowners is when do you need to hire a water damage public adjuster?

If water damage has hit your home or business, the first thing you must do is remove any water. However, if possible, take pictures of the standing water, if any. Additionally, take pictures of your personal property that was damaged and couldn’t be repaired.

Pull up wet carpeting. Sticking a blower in an up-lifted corner of carpet will not get the job done if the padding is soaked. Therefore, get rid of the carpeting so the floor beneath the carpeting can dry out.

However, if there is standing water in your basement or elsewhere in the house, you may need a professional water damage restoration company. After the standing water is removed, all surfaces which the water touched have to be completely dried to prevent mold growth. Proper disinfectant products need to be applied to prevent any bacteria, fungi, or mildew from causing further damage.

Additionally, all furniture and other personal property that water touched should be placed somewhere to dry. If you cannot repair some of your personal property, take pictures before disposing the property.

If you have to rent or purchase a wet/dry vacuum, heavy rubber boots, fans, etc., keep the receipts. Your homeowners’ insurance will pay for water damage repairs and the costs to cleanup your home.

Have You Heard of a Black Water Loss?

A black water loss results from sewage or other chemical toxins in the water invaded your home or business.

There may be life, health and safety issues that need to be addressed when cleaning up a black water loss. Certainly, if you are facing a black water loss, you will need the services of a water damage restoration company that is familiar with black water losses.

Are You Covered When Flooding Causes Water Damages?

Standard homeowners’ insurance policies do not cover water damages from floods. Rather, people who live in flood-prone areas must purchase flood insurance through the National Flood Insurance Program (NFIP).

In 1968, the federal government enacted a law that set up the NFIP

to help residents and commercial property owners who purchased a flood policy.

The Federal Emergency Management Administration (FEMA) runs the NFIP.

Therefore, if you live in a flood-prone area, apply for FEMA flood insurance with the private insurance companies that offer flood insurance. As a result, if a flood damages your home or business, they can reimburse you for covered flood damage.

Consider Hiring a Water Damage Public Adjuster

Sounds complicated and time-consuming, doesn’t it? Well, it is. The claims process for water damage insurance claims involves several moving parts. First, if a hurricane or tornado cause the water damage over a large area, insurance companies are going to be flooded with water damage claims.

Consequently, it may take days or weeks before an insurance adjuster from your carrier inspects your property damage.

As you can see from the above, you can’t wait for the insurance company adjuster to show up. You have to immediately start cleaning up after water damages your property. For example, you have to remove standing water, wet carpets, etc., as soon as you can.

Consider hiring a public adjuster to guide you through this process. How you handle a water loss in the first 24 hours can be critical in the outcome of your property damage claim.

Unlike other claims adjusters, public adjusters work only for homeowners and business owners who file property damage claims with their insurance carrier. Public adjusters can dedicate his/her time to your specific claim so you receive everything to which you are entitled.

At AllCity Adjusting, We Know the Problems Homeowners Have Filing a Water Damage Insurance Claim

We are a family-owned public adjusting firm with five decades of combined adjusting experience. If there’s one thing we understand, it’s that you need 100% of your claim value.

Certainly, you have already gone through a tumultuous event. Therefore, get an agency that gets you more.

You know you must act quickly to restore your property after a hurricane, tornado or flood has damaged your property. You have to get the water out of your home. Then, you must dry out and disinfect your home to prevent mold growth.

Next, you have to decide what personal property you can repair and throw away the rest.

Of course, you will have pictures of your damaged property. Additionally, you’ll have receipts for repairs you have done and new purchases to replace damaged property.

We can help you file your claim and document your losses. We will get insurance to pay you every penny they owe you.

As public adjusters, we have helped homeowners deal with insurance companies on large claims, such as a total loss. We will negotiate with the adjusters and get them the information they want to properly handle your claim.

At AllCity Adjusting, we work to ensure you your full claim value. With over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. We help you build a larger claim, maximize your claim value, and get you back to normal fast. Don’t get fooled, get the company that gets you more.

If you need a public adjuster, or just have questions on how your water damage claim will be handled, schedule an appointment call. Contact us at 844-My-ADJUSTER (844-692-3587 Available 24/7) or contact us here.

free claim review

Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

public adjusting call support

Real Support When You Need It!

Understanding the Insurance Claims Process

Understanding the Insurance Claims Process

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

Estimating Fire Damage and Restoration Costs

Estimating Fire Damage and Restoration Costs

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

You Have a Fire Damage Insurance Claim-What Should You Do?

You Have a Fire Damage Insurance Claim-What Should You Do?

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

How to Start a Flood Insurance Claim

How to Start a Flood Insurance Claim

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

Tips for Handling Hurricane Damage Insurance Claims

Tips for Handling Hurricane Damage Insurance Claims

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

Water Damage from Burst Pipes

Water Damage from Burst Pipes

There are few more upsetting sites for a homeowner than to walk into their house and see water cascading from a ceiling. Or going to the basement and seeing a couple of inches of standing water. For instance, water damage from burst pipes can happen in vacation homes in the winter. As another example, pipes in exterior walls can burst if a home loses power for a few days. Likewise, exposed pipes in the basement can burst. However, the good news is that homeowners’ insurance covers damage from burst pipes.

Stay Up to Date With The Latest News & Updates

Don't Wait - Get More

Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.

public adjuster service areas background

Join Our Newsletter

Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.

Follow Us

Follow us on the following social networks.

Call Us Now