A burst pipe or failed water heater can soak floors, walls and cabinets in minutes. Water claims are often underpaid or denied over how and when the damage happened. We document it correctly from the start.
Most policies cover sudden, accidental water damage but exclude slow, long-term leaks. How the loss is described matters.
Getting to the broken pipe often means opening walls, floors or slabs. That access cost should be covered.
Replacing part of a continuous floor or a run of cabinets can leave a mismatch. We push for a repair that makes sense.
Many policies cap mold coverage. Drying the home quickly and documenting it protects your claim.
Fans, dehumidifiers and water extraction should be paid, and the records support the rest of the claim.
Water from inside the home or through a storm-damaged roof is a homeowners claim. Rising water from outside is a flood claim.
We inspect the property, write a line-by-line Xactimate estimate and handle the back-and-forth with your insurance company for homes, businesses and churches.
Stop the water, start drying right away and take photos. Keep the broken part if you can. Then report the claim and call us.
Possibly. We review what caused the damage and how long it was happening, and whether the carrier's conclusion holds up.
It depends on the policy. Many policies cover the damage caused by the leak and the cost of accessing it, even if the pipe repair itself is not covered.
Yes. Water that enters through storm damage is typically covered along with the roof damage itself. See our roof claims page.
Or email claims@oceanstates.net with photos and any letters from your insurance company.
