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Water leaks can cause significant damage to your property, and it’s essential to understand the terms of your insurance policy. For a water leak to be covered under the terms of most insurance policies, the event must be fortuitous or sudden and accidental in nature. In cases where the insurance carrier takes the position that the water damage resulted from an ongoing problem that the property owner did not properly address, insurance coverage for damage resulting from a water leak is often denied.
Nevertheless, lack of maintenance may not be the cause of the event. Important details may have been overlooked by the insurance company’s field adjuster during the initial inspection of the loss. At Keys Claims, we specialize in helping clients who have had their water claims denied by their insurance carrier.
If you discover a water leak in your business or residence, it is imperative that you begin the mitigation process as soon as possible. A licensed professional experienced in preventing further damage to the building and any affected personal property should identify and remedy the source of the water. Dry out and temporary repairs should also be performed.
Many policyholders are unaware that they are required to preserve the damage so that all insurance company representatives may make a full inspection. It’s crucial to note that more than one inspection is often necessary to finalize the claim. Property owners should keep wet drywall sections, baseboards, cabinetry, flooring, and any wet furniture or other personal items as damaged items are essential to the final outcome of the claim. If it’s not possible to keep these items at the affected property, a storage facility may be utilized.
At Keys Claims, we have a team of experts who can guide you through the insurance claims process for water damage. Our services include a comprehensive inspection of the damage, preparation of a detailed claim package, and ongoing communication with the insurance company to ensure a proper settlement. Contact us today to learn more about how we can help you manage your water damage insurance claim.