Water Damage Public Adjusters

Water Damage Claims is one of the most common homeowner’s claims.

Water Damage Claim can be as small as from a minor roof leak to a complete flooding of your home with all ranges in between.

No matter the extent of the water damages, the cause and source of the water is of utmost importance. In many cases, the source of the water determines if there is coverage for the damages. You must determine the source of water damage when adjusting any water damage restoration claim.

A very common water damage restoration claim is damage to a ceiling.

Many of these claims are very obvious. There is clearly damage to the roof, and water has leaked through the damaged areas. There will be other claims where there is no evidence of damage to the roof. In this case, the source of the leak could be at exposed nails, flashing, or valleys.

If no covered peril caused the opening that allowed the water to enter, there may or may not be coverage for the interior damages.

Another common water damage restoration claim is water from a plumbing, heating, air-conditioning system, or household appliance.

These include burst or leaking water heaters, burst or leaking pipes, and leaking or broken ice maker lines. This can also include backup or overflow of tubs, toilets, or sinks, clogged air-conditioning condensation lines, and broken lines to a washing machine.

Leaking drains and shower pans are also common sources of water damage. If there is policy coverage, it usually covers the damages caused by the water but does not pay to repair the damaged or broken water line or appliance.

If a broken or leaking water line is inside a wall or ceiling or under a slab foundation, there may be coverage to access the water line but again no coverage to repair the water line itself. The same is true for a leaking shower pan.

Typical water damage restoration claims:

Broken pipes
Leaky Roofs
Backup of sewage
Broken Washing Machine
Broken Hot Water Tank
Dishwasher Leaks
Flood
Toilet Leak

What Water Damage Could do to Your Entire Home:

Water damage can affect one area of your home but it easily can lead to multiple problems in the future. The water may cause foundation problems in your home that leads to it being uninhabitable due to the possible collapsing of the property.

Alternatively, if you do not notice sever water damage in your home it may lead to it being filled with mold. This is especially dangerous for individuals suffering from respiratory problems such as asthma.

“Black water loss“ can occur in addition to the typical water damage, which is when you have contaminated water with chemical toxins or sewage debris that would need specific actions in order to ensure that no bacteria remains.

With an experienced public adjuster, they can help you identify these types of issues and make sure you get the proper help to put you back in pre-loss condition. These are some ways that water damage could affect an entire property:

Roof leak causing plaster to crack
Exterior water coming through walls or windows
Flooded basements causing electrical issues
Water Damage so severe that it is making the home unstable

Water Damage – Frequently Asked Questions

Question: I have water leaking through my roof and onto my ceiling, am I covered?

Answer: Most of the time the damage to the ceiling is covered. It depends on what your policy says and the source of the leak on the roof.

Question: I have water seeping into my basement from a broken downspout, am I covered?

Answer: Most water that comes from the ground is not covered. Typically ground water is excluded in most policies.

Question: My roofer was replacing my roof and it started raining, is the damage covered and by who?

Answer: The damage from the rain that came in is typically covered; again it depends on the policy. You can file a claim with your insurance company or the roofer insurance company. Depending on the situation it usually better to file with your insurance company and let them subrogate back to the contractors company.

Question: I have water leaking through my bathtub into the room below. Am I covered?

If you are looking for a public adjuster for water damage restoration in Greater Pittsburgh, look no further than Stephen Hnat Associates. Call today