Plumbing/Pipe Leak Damage Claims

Why Call a Public Adjuster for Your Plumbing Insurance Claim?

You may not know what a public adjuster is or how they can help. Your insurance company will assign an adjuster to handle your claim. Ultimately, their adjuster is looking out for the best interests of the insurance company. A public adjuster is different. They work for you, and they have every incentive to look out for your interests. Adjusters do not charge an upfront fee and only get paid when you do, so they work diligently to get a fair settlement. They are deeply knowledgeable about the insurance company and the claims process, and adjusters know precisely what to look for to support your claim. One government study that examined hurricane claims found that homeowners who hire a public adjuster get settlements that are 747% higher than when they face the insurance company alone. Even when you factor in the fee, homeowners still get more money when working with a public adjuster.

Our experienced public adjusters can help with pipe leak insurance claims and many others. A pipe leak public adjuster and the Capital Adjusting team can assist you with:

• Inspecting your property to document the extent of the water damage
• Helping you find trustworthy contractors to handle repairs
• Filing your plumbing or water damage insurance claim
• Getting you the maximum settlement

Even if you have already settled your claim and had it denied by the insurance company, a pipe leak public adjuster still may be able to help you get the maximum settlement.

What Types of Leaks Do Plumbing Insurance Claims Include?

Water damage in your home is scary. For most people, their home is their most valuable asset, and water damage can quickly cause various issues. Unfortunately, it’s likely that your homeowner’s policy only covers water damage in limited scenarios:

• Drainpipe leaks
• Frozen pipe bursts and ice dams
• Leaky appliances (e.g., washing machine)
• Toilet overflows
• Tub overflows
• Breaks, bursts, or leaks in water pipe
• Water heater leaks

The damage must be sudden to qualify for coverage. Damage that results from an appliance that has been slowly leaking for months will not be covered. Any sort of damage that can be attributed to the homeowner’s negligence may not be covered.

Additionally, not every homeowner’s policy will cover damage that results from the leak. While they may cover the costs related to replacing the pipe, they may not cover any damage that results from it. So, if your burst pipe damages a nearby wall, your policy may not reimburse you for the cost of repairing the wall. Check the wording in your policy to see if the resulting damage is covered.

Because homeowner’s policies are structured this way, you must regularly check around your home for leaks.