Water Damage Insurance Claims in Los Angeles

Does Homeowners Insurance Cover Water Damage?

Experiencing water damage in your home? Many people assume that their insurance policy will cover water damage. Given that all policies differ, your policy may cover the sudden or accidental discharge of water into your home, including water line breaks or weather damage, but it may not cover sewer back-up.  Most home insurance policies limit water damage coverage to water that hasn’t entered your home from the ground or sewer. Sudden and accidental bursts of plumbing pipes may be covered under your residential insurance policy, with specific requirements and limits that change from policy to policy.

Water damage insurance claims can leave you feeling lost, stressed, and unsure of how to proceed with your insurance company. Luckily, a dedicated public adjuster can help simplify the process. A public adjuster is an individual who evaluates the damage to your home and then helps you understand the entitlements of your policy. A public adjuster represents you and protects your interests – NOT the interests of the insurance company. Discover the difference by hiring a public adjuster for your water damage insurance claim!

What are your responsibilities as a property owner?

If a water loss occurs in your home or business, it is your responsibility to mitigate the damage. You may need to contact an emergency service company to provide drying services. Your property sustains more damage the longer it remains wet. Do not dispose of building items such as cabinets and flooring. Most policies have a condition that requires you to display the damaged property.

How long do you have to file an insurance claim after a water damage incident?

While all contracts are different, most insurance companies require that a prompt notice is given to the company. That means that if you have a loss you must notify your insurance company or agent right away.  Furthermore, you should file your claim as quickly as possible to avoid a breach of your insurance policy, which may justify your claim being denied.

Why should you hire a public adjuster for your water damage claim?

Public adjusters are independent adjusters hired by individuals to represent them in their dealings with their insurance company. Our main objective is to get you paid every dollar you are owed under your policy. Our service is no upfront cost to you as we work on a contingency basis only and our fees are based solely on a percentage of the claim payments we bring you. Therefore, we are motivated to bring you the maximum amount available under your policy in the shortest amount of time.

What are the benefits of hiring a public adjuster for water damage claims?

We save you time – We will manage your claim and minimize the time you spend dealing with adjustment issues, which include meeting with the insurance company, their contractors, and various other vendors.

We even the playing field – As a result of years of claim experience, the public adjusters at Avner Gat, Inc. can help you read and interpret policies to determine your maximum entitlement.

Faster resolution – We can quickly organize documentation to support the amount of your loss. We will present the evidence to your insurance company and can usually help you resolve your claim faster than if you were handling the claim yourself.

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