Water Damage Restoration Insurance Claims

Water Damage Insurance Claims

There are many causes of residential and commercial water damage claims—some of which are covered by personal lines or business lines of insurance, and others that are not. Quickly repairing water damage can reduce the ultimate cost, but can be a problem if not performed with the insurance adjuster’s knowledge. Restoration contractors are often necessary and very helpful.  AAA Emergency Services works directly with your Insurance Agent to work through and handle your claim as quickly as possible.

One of the most common insurance claims is from a result of water damage or sewage backup. Damages from water can be as small as from a minor roof leak to a complete flooding of the unit—with all ranges in-between. No matter the extent of 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. This means that when adjusting any water damage claim, the source of water has to be determined.
 
A very common water damage 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 source of damage 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. 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.

A third, and probably most devastating, type of water claim is from flooding. Flooding is also probably the most misunderstood of the types of water claims. The reason for the misunderstanding is that flood is not normally covered by most insurance policies. To have flood coverage, it is usually necessary to have special flood coverage. To purchase flood coverage also might require living in a designated flood plain.

A good rule of thumb in trying to determine if there is coverage for water damage is, “If the water comes down, it might be covered. If it comes up, it is usually not covered.” The exception to this is the backup of sewers or drains. On some policies, drain backup is covered.

Damage Insurance Claims
When you call AAA Emergency Services to help you repair and restore water damage, you will only get first-rate emergency restoration services. And you will also receive helpful advice on how to submit your water damage insurance claim or fire claim with your insurance provider. We help you document your losses, and record and report all repairs for the maximum reimbursement for damages to your property. We simplify and handle the complexities of your damage insurance policy so you don't have to worry!

Flood Claim
If you've experienced a devastating property loss due to water damage or fire damage, we can help you prepare a flood claim or fire claim for the damage. Insurance claims for water damage or fire damage usually involve an adjuster coming out to view the damage, in person. Beforehand, you should take photographs of the damage to your property. You should try to fully document the severity of the damages caused by the flood or fire before the damage restoration and clean up. Any simple film or digital camera will be adequate to document the destruction of property for water damage claims.

Water Damage Claim
AAA Emergency Services' certified technicians will also provide you with a detailed record of the cleanup and restoration services rendered for you to submit to your insurance provider when you make your insurance claim for water damage. For homeowners, these itemized receipts are necessary for reimbursement from your insurance company.

Water Damage Insurance Claim
Insurance claims for water damage are usually filed with the property owner's home owner's insurance provider. When you call AAA Emergency Services, we can help you navigate the insurance maze and give you instructions on how to properly file your insurance claim so that you are compensated appropriately for damages.

Call AAA Emergency Services immediately @ 513-769-0555