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A public adjuster helps ensure you are properly compensated after you’ve suffered a loss.  We represent YOU and protect your interests – NOT the interests of the insurance company. Discover the difference of a public adjuster for water damage insurance claims!

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Why should you hire a public adjuster for water damage claims?

Experiencing water damage in your home? Water damage insurance claims can leave you feeling lost, stressed, and unsure how to proceed with the 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. They help you understand the entitlements of your policy. Still not sure the service is right for you? Check out our blog article on determining when you should hire a public adjuster for water damage

What You Should Know about Water Damage Claims

Many people assume that their insurance policy will cover water damage. As a matter of fact, you may struggle to determine what your policy includes. Given that all policies differ, it may cover sudden or accidental discharge of water into your home, including water line breaks, weather damage, etc. 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. To emphasize, 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. Read more about this subject in our a blog page. 

Typical Insurance Company Policies

For insurance companies, water damage typically references 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 policies, with specific requirements and limits that change from policy to policy (with rules you have to follow for it to count). Sewer back-up coverage isn’t typically included in a property insurance policy, but can be added as optional coverage. In this situation, the cost of adding this coverage can be minimal compared to the cost of repairing your home. However, this option may only be viable to people who live in homes that are more vulnerable to flooding and back-up. Currently there is minimal insurance coverage available for overland flooding, but this could vary depending on the location of your home.

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.

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How can one prevent a Water Damage?

Water damage can weaken your home’s foundation, invite termites, and cause mold and mildew. Follow these tips to prevent water damage to your home.


To begin with, you should ensure good drainage around your home by cleaning your gutters, sloping your yard away from your home, and directing downspouts five to ten feet from the house.


Maintain your garden plants and vegetation so that roots don’t grow around your pipes. Additionally, you need to test your sump pump once a year.


Fix water leaks and routinely check for dark spots under pipes inside sink cabinets, stains on ceilings, toilets that rock, and of course drips.


Inspect your roof annually. Repair missing, loose, and damaged shingles. Repair both cracked caulking and leaks around flashing.


Finally, know the location of your main water valve, and shut it off if you leave for an extended amount of time.

Did You Know?

Thousands of homes are within newly identified flood zones in Los Angeles.
Call us today to get tips and advice on how to keep your home safe!


3 benefits of hiring a public adjuster for water damage claims

Your Time – We will manage your claim and minimize the time you will have to spend dealing with adjustment issues, which including meeting with the insurance company, their contractors and various other vendors.

Even the Playing Field – As a result of years of claim experience, the public adjusters at Avner Gat 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 the insurance company.

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