Water Damage

Water damage is one of the most commonly filed types of insurance claims in the state of Florida. This type of property damage can include pipe bursts, dishwasher leaks, broken icemaker lines, and air conditioner leaks.

These types of insurance claims are often current issues that can occur unexpectedly and need to be taken care of right away. If they are not, they could oftentimes lead to even more extensive – and more expensive – damages. Unfortunately, water damage can be costly, as well as time consuming to repair.

There are many types of homeowners insurance policies that do not cover floods, and therefore may also not cover certain types of water damage claims. However, by purchasing a separate flood insurance policy, you may be able to add additional insurance coverage to an existing policy that will cover items such as:

  • Sewer backups
  • Drain backups
  • Sudden and accidental water damage from a plumbing, heating, and / or air conditioning system

Once you notice any type of water damage that has occurred, it is important to stop the flow of water, if possible. It is also essential to remove any pools of water and to begin drying the area in order to prevent any additional property damage. This can not only help to prevent further damage, but also any additional costs.

 

How to File an Insurance Claim for Water Damage

When filing an insurance claim for water damage, it is important to contact us as soon as possible. We can help to make the claims process go much more quickly and efficiently than going directly through your insurance carrier. This is because oftentimes, the insurance adjuster that is sent by your insurance carrier is not working in your best interest, but rather for the insurer, in filing the claim. Adjusters oftentimes opt to minimize the settlement amount, resulting in smaller claims paid out to you. We won’t let that happen.

You may wish to review your insurance policy to ensure that you understand what it does – and does not – cover in terms of water related damages. It is also a good idea to take photos and / or to video tape the damaged property prior to making any repairs. This will help to show proof of the damaged area and items.

At People’s Insurance Claim Center, Inc., we work for you, the policy holder, in getting you what you deserve. Whether you are a business owner with a commercial claim or a homeowner seeking to settle a residential property claim, PICC will work with you in getting you the proper settlement – even if your initial claim has been denied. For more information, contact us today.