Brian Singer is Pennsylvania, New Jersey, Delaware, and Maryland’s most reliable Insurance Claims Adjuster

Water Damage Claims

If you have a water damage claim, Brian will fight for you to ensure that you receive the maximum compensation for your loss. He works for you, not the insurance company. He has your best interest at heart throughout the entire claims process.

House water damage insurance claims can be some of the most complicated claims for homeowners. This is because only certain types of house water damage are covered under a typical homeowners’ insurance policy. Sudden and accidental water leakage from burst pipes is covered under most insurance policies, however, flood damage and water back up from sewers, drains, and sump pump overflow usually require additional optional coverage.

Given the confusing nature of house water damage claims it is best if you have an expert public adjuster assess the cause of the damage and compare this with your insurance policy to work out if you are covered.

House water damage, rain, hail wall damage insurance claims

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Types of Water Damage Covered by Homeowners Insurance

Generally, house water damage that is considered “sudden and accidental” is covered (like a burst pipe) but not gradual damage, like a leaking bathroom sink. And flooding is not covered, such as damage from storm surge during a hurricane.

Water damage covered by homeowners insurance typically includes:

  • Burst pipes. This might include a frozen pipe that bursts, but not if you neglected to keep the home properly heated.
  • Accidental leaks, such as leaking plumbing or an appliance leak, like a broken washing machine or dishwasher.
  • Water damage after a fire from water used to extinguish the flames, such as water from a sprinkler system or a hose from the fire department.
  • Water damage from a roof leak, such as damage from a storm or a tree that falls on your roof. Keep in mind, if an accident (like a fallen tree) damages your roof, you’ll be required to fix the damage in a reasonable amount of time. Failure to do so could result in further water damage that won’t be covered.
  • Water damage from storms, such as heavy rain or hail.
  • Ice dams, such as ice that builds up in your gutter and damages your home, may be covered as long as the damage was sudden and wasn’t caused by a lack of maintenance.

Contact Brian today!

If you do have a house water damage claim our expert Claims Adjusters will fight for you to ensure that you receive maximum compensation on your claim. We will persevere on your behalf to make sure your insurance company gives you what you deserve.

We work for you not the insurance company, therefore, we have your best interests at heart throughout the entire claims process.