Water Damage Claims Expert
Flood, pipe burst, storm damage specialists serving CA, AZ, WA, ID, CO & TX
Get Free ConsultationExpert Water Damage Claims Assistance
Water damage can devastate your property quickly, and insurance companies often try to minimize payouts. Whether it's flooding, pipe bursts, storm damage, or sewage backup, Apex Adjusting Group ensures you receive full compensation for all water-related property damage.
Water damage claims require immediate action. Mold can develop within 24-48 hours, and secondary damage spreads rapidly. Our licensed public adjusters respond quickly to document your claim and start the claims process immediately.
What We Cover
Our Water Damage Claims Process
Rapid Response
24/7 emergency response to assess water damage and begin documentation.
Damage Assessment
Complete evaluation of water damage, including hidden moisture and mold risk.
Documentation
Detailed photos, moisture readings, and restoration cost estimates.
Claim Negotiation
Expert negotiation with insurance adjusters to maximize your settlement.
Settlement
Full compensation to restore your property and replace damaged belongings.
Types of Water Damage We Handle
- Flood Damage: Natural flooding, flash floods, and storm surge damage
- Pipe Bursts: Burst pipes, frozen pipes, and plumbing failures
- Storm Damage: Rain intrusion, roof leaks, and wind-driven water
- Sewage Backup: Sewage system failures and contaminated water
- Appliance Leaks: Water heaters, washing machines, dishwashers
- Mold Damage: Mold growth resulting from water intrusion
Water damage claims are complex. Insurance policies have specific coverage terms, exclusions, and time limits. Our public adjusters know how to navigate these policies to ensure you receive maximum compensation.
Water Damage Claims FAQs
How much does a public adjuster cost for water damage claims?
Our public adjusters work on contingency, typically 10-15% of your final settlement. We only get paid when we successfully increase your claim. No recovery means no fee, and there are no upfront costs.
Does homeowners insurance cover water damage?
It depends on the source. Most policies cover sudden and accidental water damage like pipe bursts or appliance failures. However, flood damage requires separate flood insurance, and gradual damage from neglect may not be covered. We review your policy to determine coverage.
What is the difference between water damage and flood damage?
Water damage typically refers to internal water sources like burst pipes, roof leaks, or appliance failures. Flood damage involves external water sources like rising rivers, storm surge, or ground water. They're usually covered by different insurance policies.
Will insurance pay for mold removal after water damage?
Most homeowners policies cover mold remediation if the mold results from a covered water damage event and is addressed promptly. However, mold from long-term neglect or maintenance issues may not be covered. We help document the timeline to support your claim.
How quickly should I file a water damage claim?
Report water damage to your insurance company immediately, ideally within 24-48 hours. Quick reporting helps prevent claim denials due to delayed notification. However, hiring a public adjuster before or immediately after filing ensures proper documentation from the start.
What should I do immediately after water damage?
First, ensure safety and stop the water source if possible. Document everything with photos and videos. Contact your insurance company to report the damage. Then call us for emergency public adjusting services to protect your claim interests from day one.
Can a public adjuster help with denied water damage claims?
Yes! We frequently help overturn denied water damage claims. Insurance companies often deny claims for reasons like alleged policy exclusions, delayed reporting, or insufficient evidence. We review denials, gather additional documentation, and negotiate appeals successfully.
Does insurance cover water damage from pipe bursts?
Yes, sudden and accidental pipe bursts are typically covered under standard homeowners insurance. This includes damage to your home's structure, contents, and additional living expenses if your home is uninhabitable during repairs.
What is typically not covered in water damage claims?
Common exclusions include flood damage from external sources (requires separate flood policy), gradual leaks or seepage, maintenance-related issues, sewer backup without additional coverage, and damage from neglected repairs. We help identify what is covered under your specific policy.
How long does a water damage insurance claim take?
Simple water damage claims may settle in 30-60 days. Complex claims involving structural damage, mold, or extensive contents loss can take 90-180 days or longer. Having a public adjuster expedites the process by ensuring complete documentation and aggressive negotiation.
Get Expert Help with Your Water Damage Claim
Free consultation. No recovery, no fee. Available 24/7.