Water Damage Public Adjusters
Public Adjusters for Water Damage Insurance Claims in Augusta GA
Water damage is one of the most common insurance claims. The damages covered by water damage insurance claims can be cause by a wide array of issues from storm and flood damage, pipes bursting and even the water used to put out a fire.
The International Organization for Standardization (ISO) found that water claim damages comprise the second-largest insurance claim following wind and hail damage claims. During rainy seasons, continuous rain and floods result in a high rate of damage to property and the most deaths. A vehicle can be carried away by two inches of water.
Hurricane seasons result in thousands of water damage claims presented to insurance companies due to the massive water damage. Unfortunately, insurance companies deny many of these claims just so that they can make a profit.
When it comes to Water damage & flood insurance claims the public adjusters at Property Claim Consulting in Augusta GA can help level the playing field between the victims seeking compensation and property insurance companies. They help the victims get adequate compensation.
Water damage destroys property and can leave the house uninhabitable. It can also cause underlying issues like mold, which is risky to one’s health. Therefore, it is paramount that victims of water damage contact water damage public adjusters who can assess the underlying dangers that are caused in their homes.
Types of Water Damage
Water damage can be severe and cause more damage than is immediately visible. The damage can cause the whole property to deteriorate. Below are the types of water damage covered in insurance policies:
Flooding commonly causes water damage to thousands of homes every year. It is a common problem globally. There are several causes which include heavy rainfall and melting snow causing overflows. The prevalence of flooding is a significant worry to homeowners.
- Accidental discharge
Accidental discharge is the presence of water that had not been planned and could not be preventable. It catches homeowners entirely by surprise. Below are the sources of accidental discharges.
- Hot water tanks
- Air conditioning systems
- Heating systems
- Sewage backup/overflow
Sewage backup/overflow usually happens when sewage water spills over into surrounding neighborhoods and people’s homes. Sewage companies treat sewage backup/overflow differently from water accidentally discharging. This fact is an essential point for a homeowner to keep in mind.
- Mold-related damage
This type of water damage related to mold is under the same category as gradual water damage. This damage is the type that occurs over a long time. For example, mold-related damage in the home is caused by water flowing through hidden areas and remaining undetected for some time.
- Gradual water damage
Gradual water damage is the opposite of accidental discharge, such that the damage begins with a small leak and eventually grows into a much bigger issue. Below are examples of water damage that happens gradually:
- Seeping through cracks
- Leaky pipes
- Corrosion of surfaces
Gradual water damage may sometimes not be covered by an insurance company. However, the scope of your water and flood damage claims is usually covered in your contract or insurance policy. Consult your insurance agent to determine what is excluded and what type of coverage you will benefit from.
Categories of Water Damage
There are different categories of water damage that are recognized by various insurance policies. It is essential to know which category one’s home has been subjected to decide what kind of repairs will be done. It is essential to undertake adequate property claim consulting to determine which category the damage to your home falls under.
These are the different categories of water damage:
- Category 1: This category is known as clean water. Clean water means that it does not present a threat to anyone. This category includes broken appliances, sink overflows, etc.
- Category 2: This is known as gray water. Gray water is the type that might lead to sickness upon exposure due to its contamination. Examples that fall under this category are seepage, broken toilets, etc.
- Category 3: This is known as black water. It is tough to clean and can cause severe health issues due to the high concentration of bacteria. Black water loss includes standing water contaminated with chemicals or toxins or sewage water that may seep into homes.
Effects of Water Damage to your Home
Water damage might affect only one part of the home but later leads to a domino effect whereby the problems multiply. Water damage may lead to issues with the house’s foundation, which may lead to the collapse of the structure. As a result, the property is deemed uninhabitable.
Water may seep into hidden places in the home, sit for a long time and cause mold to form. Mold in the home is very dangerous as it may lead to severe health issues for people suffering from respiratory problems such as asthma.
The physical damage to your home is as below:
- Water from outside seeping through windows and walls
- Flooded and basements
- Damage that causes the structure of the house to become unstable
- Leaky roofs that cause water damage to furniture
- Flooding in the home causing electrical problems and making the house dangerous
Ensuring your Water Damage Claim Benefits You
It is good to know how to maximize your water & flood damage claims. Below are tips that will to help you maximize your water & flood damage claims.
- Control the damage
Please take all the steps to control your water damage once you know it in your home. The steps you take depend on the extent and type of water damage. If there was a leak in the plumbing, turn off the water fed into the house. In case the roof is leaky, block out the rain with a waterproof tarp.
- Ensure you keep evidence of the damage
Your insurance company will need evidence of the damage before assessing your flood insurance claims. So, take good photos or videos of the damage up to the slightest detail and present it.
- Report the damage
The insurance company must be made aware of the damage to start the assessment process. Reporting should be once the damage has been done and evidence is documented.
- Recruit a public claims adjuster
If your claim is significant, recruit a public claim adjuster. They assess the extent of the damage.
For all your insurance purposes, call Property Claim Consulting to help you maximize your insurance claims.