Water damage can wreak havoc on your home and finances — whether caused by burst pipes, overflowing appliances, storms, or roof leaks. Filing a water damage insurance claim may seem straightforward, but getting fairly compensated can be a challenge. This is where a water damage adjuster, especially a public adjuster, becomes essential to your recovery process.

What Does a Water Damage Adjuster Do?

A water damage adjuster evaluates the extent of property damage, determines the cost of repairs, and helps ensure that your insurance company pays what you're truly owed. While insurance companies assign their own adjusters to assess claims, these professionals work for the insurer — not for you. A public adjuster, on the other hand, represents your interests as the policyholder.

Common Causes of Water Damage Claims

• Broken or burst pipes
• Leaking appliances (washing machine, dishwasher, water heater)
• Roof leaks during heavy rain
• Toilet or sewer backups
• Basement flooding due to storms

Each situation can affect your coverage differently, so professional help is crucial when filing a claim.

Why Work with a Public Adjuster for Water Damage?

Public adjusters have deep knowledge of insurance policies and claim procedures. They handle documentation, estimate damages accurately, negotiate with the insurance company, and push for a maximum payout. Without their help, homeowners often accept offers that are far below the actual cost of repairs.

What’s Typically Covered Under Homeowners Insurance?

Most standard homeowners insurance policies cover sudden and accidental water damage — for example, a pipe burst or roof damage from a storm. However, they often exclude water damage from long-term leaks or flooding from natural sources like rivers or oceans. If your home was damaged by rising water, you’ll likely need a separate flood insurance policy.

Steps to Take When You Discover Water Damage

1. Stop the source of water (shut off water supply if needed)
2. Document the damage with photos and videos
3. Contact a public adjuster to review your policy
4. Avoid signing any quick settlement offers from insurers
5. Start the claims process with guidance from your adjuster

Real Results: Water Claim Success Stories

At IPASSN, we've helped hundreds of homeowners get fair settlements for water damage — including cases where insurance initially denied or underpaid the claim. In one instance, a homeowner in Florida received a 3x higher payout after our team re-evaluated their claim and handled negotiations with the insurance provider.

Need Help with a Water Damage Claim?

If you're dealing with water damage, don’t go it alone. Our licensed public adjusters are ready to help you understand your policy, file your claim correctly, and fight for what you're owed. From leak detection to final settlement, we’ve got your back.

Contact IPASSN today for a no-obligation consultation and let us help you recover faster and smarter.