Water Damage

Get Help With Your Water Damage Insurance Claim from Trusted Public Adjusters


Water DamageIt is surprising to hear that water damage insurance claims are the most frequently reported property damage claims – especially in Florida. Because of their frequency and significant financial impact/expense to insurance providers, you may find that the fast and easy settlement you were promised suddenly turned into a long, hard litigious battle with your insurance agent.

Aaraya’s team of public adjusters is ready to help victims of water damage like you. Let our experts take care of your insurance claims while you rest easy. Our friendly, experienced adjusters will use the latest technology like moisture mapping and thermal imaging to prove water damage occurred, so your insurance provider offers you a claim settlement that is sufficient to account for all necessary repairs and restoration. We will not rest until your claim is settled to your satisfaction.

Tips For Submitting Water Damage Insurance Claims

It is expected that an insurance company will investigate a claim to determine whether coverage exists, to establish the extent of the insurer's liability, and calculate the proper amount of damages incurred. It is not uncommon for the claim adjuster that your insurance provider assigns to your claim out to conduct an evaluation and either underestimate or flat out deny your water damage claim because there doesn’t appear to be any superficial damages. With that in mind, follow these tips to keep your claim on-track if you’re not quite ready to hire a public adjuster:

  • Ask for a digital or physical copy of your insurance policy from your agent - and make sure it’s a certified copy! This contract will detail your coverage, your responsibilities and any mold provisions or limitations.
  • Never hesitate to contact an experienced public adjuster regarding policy interpretation if something seems unclear or if there’s a dispute over coverage or policy language.
  • Mitigate the water damage to prevent additional or further damages.
  • Do not restore your damaged property until after you have agreed on the scope and amount of damages with your insurance provider.
  • Document the damages with photos and/or video. If it is required to tear out dry wall or flooring before the insurance company’s claim adjuster can survey the damage, save samples. Also document all damaged personal items as a result of the loss.
  • Request the use of technology by your insurance adjuster to diagnose and document the full extent of the water damage. If your insurance company does not utilize thermal or infrared imaging or moisture mapping technology, consider hiring a public adjuster that does in order to get a fair settlement and full compensation.
  • Obtain third-party damage repair/restoration estimates to gauge the true cost repair for your water-damaged property from at least three different licensed contractors.
  • Demand a written explanation from your insurance provider if your water damage claim is not settled within 45 days.
  • Contact a trusted or experienced public insurance adjuster if your insurance provider is not responsive or requires you to submit a Proof of Loss form for your water damage insurance claim.

Both our expertise and aggressive approach enable us to speed up the insurance claim process and show your insurance company the true value of your claim.

Does Your Water Damage Insurance Cover You?

It is devastating to see first-hand that your property or your home has been damaged or destroyed from a leak you didn’t know about or mold growth that manifested from old water damage. In the vast majority of cases, your property was damaged from something totally out of your control. Fortunately, most policies cover damage where the cause was “sudden and accidental.” This includes water damage from burst pipes, sink or tub overflow, sewage or toilet backups and water intrusion from breaches in a roof or window.

Whether your property was damaged suddenly from a storm or flood or over time from mold, mildew or decay, either is enough to ruin your day. You might not even suspect a problem until it is too late.

Most people file water damage claims expecting full coverage, but the reality is that many are unjustly undervalued, underpaid or even outright denied. It is not unheard of for insurance company adjusters to misinterpret a policy and deny a claim based solely on a misunderstanding over the policy’s coverage. Always get a second opinion from a trusted, experienced public adjuster if your insurance company denies your claim.

Did Your Insurance Provider Deny Your Water Damage Claim?

Unfortunately, it is common for water damage claims to get denied or undervalued. Our experienced public adjusters will review your case to assess if your water damage claim has been wrongfully denied or undervalued.

Always get a second opinion from a public adjuster if your insurance company denied your water damage insurance claim due to any of the following causes:

  • “…a long, ongoing leak.”
  • “…an unrepaired leak.”
  • “…a preventable maintenance issue.”
  • “…failure to mitigate damages.”
  • “…failure to maintain heat and electricity to a building, resulting in burst or broken pipe.”
  • “…failure to drain or properly maintain sprinkler system.”
  • “…failure to have NFIP coverage for a flood insurance claim.”

Get The Help With Your Claim That You Deserve


Our expert public adjusters are prepared to give you the help you need. We give every case the attention it deserves so you are rest assured that your claim will be settled to your satisfaction.

Call us today at 813-609-2328 for a FREE inspection and evaluation of your claim!

You can also email us at skling@aarayapa.com to learn more and schedule an initial consultation.

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