Water damage and plumbing leak claims
A burst pipe or failed supply line can damage floors, walls and cabinets in hours. We document the source, the full spread of the damage and the cost to put it back.
Sudden and accidental water damage
Most policies cover sudden water damage and exclude slow, long-term leaks. How the loss is described and documented makes a real difference.
- Burst or frozen pipes
- Failed supply lines and fittings
- Water heater and AC overflow
- Appliance leaks: dishwashers, washers, refrigerators
- Roof leaks after storms
- Mold that results from a covered water loss
What to do right away
- Stop the water and call a licensed plumber
- Photograph and video everything before cleanup
- Start drying out: mitigation companies can help, keep all invoices
- Save the failed part: pipe, hose or valve
- Don’t throw out damaged flooring or cabinets until they’re documented
- Report the claim and call us before accepting an offer
Water claim FAQs
The insurer says the leak was long-term. What now?
Many policies exclude damage from leaks that continued over a period of time. We review the evidence, including the failed part and the damage pattern, and tell you whether the insurer’s position holds up.
Is mold covered?
Mold that results from a covered water loss may be covered, but many policies cap mold coverage at a lower limit. We check your policy’s mold provisions.
What about matching flooring?
When damaged flooring can’t be matched, the scope of repair can extend beyond the wet area. We document matching issues as part of the estimate.
Talk to a licensed public adjuster
Tell us what happened. We’ll review your policy and your claim, explain your options and tell you honestly whether we can help.