Water damage can shut down a business overnight. Whether it’s a burst pipe in winter or a sudden roof leak during a storm, the damage can cost thousands in repairs and lost revenue. Filing a commercial water damage insurance claim in Pittsburgh can feel overwhelming, especially when you’re trying to get your business running again.

This guide breaks down what to do after water damage, how insurance companies handle frozen pipe claims, and why working with a Pittsburgh public adjuster like A. H. Neaman Company can help you get the settlement you deserve.

Why Water Damage Is a Major Risk for Pittsburgh Businesses

Pittsburgh’s climate creates perfect conditions for water damage. Winters bring freezing temperatures, while heavy spring rains test roofs and drainage systems. For business owners, water damage is one of the most common and costly property insurance claims.

Case Study: Frozen Pipe Disaster – December 2022

In late December 2022, a Washington County restaurant opened after the holidays to find water pouring from the ceiling. A frozen pipe had burst, flooding the dining room and kitchen. The owner had to shut down for weeks and miss the New Year’s Eve rush.

It was the second time this had happened. In 2018, the same restaurant suffered a similar pipe burst that required months of restoration. The incident shows how severe Pittsburgh winters can be—and why business owners must be ready to file strong claims fast.

Common Causes of Commercial Water Damage

Burst and Frozen Pipes

Frozen pipes are the number one cause of water damage in Pittsburgh winters. If heat isn’t maintained or a pipe is uninsulated, it can freeze and burst, releasing gallons of water in minutes.

Fire Sprinkler Failures

Cold weather can also freeze fire sprinkler lines, causing major flooding when they thaw or burst.

Roof Leaks and Storm Damage

Snow, ice, or wind can damage roofs and let water into ceilings, offices, and inventory storage areas.

Sewer and Drain Backups

Backups send dirty water into basements or ground floors. Many policies require a special endorsement to cover this type of damage.

Appliance or Equipment Leaks

Water heaters, dishwashers, or HVAC systems can fail and flood the building.

Are Frozen Pipe Insurance Claims Covered?

Most commercial policies cover sudden water damage from burst or frozen pipes. But there are conditions:

• Heat must be maintained. If heat was off or too low, the insurer may deny coverage.
• Only resulting damage is covered. The cost to fix the actual pipe is usually your responsibility.
• Proof of cause matters. Insurers may send an adjuster to confirm the pipe burst due to freezing.
• Check for coverage gaps. Some policies exclude sewer backups or have limits on water damage coverage.
• Business interruption coverage is key. This coverage helps replace lost income while you’re closed for repairs.

What to Do After Water Damage

Act quickly to protect your property and strengthen your claim.

1. Ensure Safety

Turn off the main water supply and shut down power if water is near outlets or equipment.

2. Stop Further Damage

Call a plumber or restoration company to stop the leak and start drying the property.

3. Document Everything

Take photos and videos of the damage before cleanup. Save receipts for emergency repairs.

4. Protect Undamaged Property

Move inventory, equipment, and files to a dry location.

5. Report the Claim

Call your insurance company or agent as soon as possible to start the claim process.

6. Keep a Claim File

Record all communications, track deadlines, and save every document related to your claim.

Challenges Business Owners Face

Even when you follow all the steps, insurance claims can be tricky.

Low Initial Offers

Insurer estimates often miss hidden damage or underestimate repair costs.

Coverage Disputes

Insurers may argue the cause was neglect, not freezing temperatures.

Long Delays

Large commercial claims can take months to resolve, leaving you waiting for funds.

Business Interruption Disputes

Proving lost income takes detailed financial records, which can delay payment.

Why Work with a Pittsburgh Public Adjuster

A public adjuster represents you—not the insurance company. Here’s how A. H. Neaman Company helps:

• Full Damage Assessment: We inspect every affected area and create a detailed, accurate estimate.
• Policy Review: We explain your coverage and ensure nothing is missed in your claim.
• Claim Preparation: We handle the paperwork, inventory lists, and repair estimates.
• Negotiation: We challenge low offers and push for a fair settlement.
• Time Savings: We handle insurer calls and deadlines so you can focus on reopening your business.

Our goal is to maximize your settlement and get your business back on track.

Why Choose A. H. Neaman Company

We’ve been helping Pittsburgh businesses and homeowners since 1915. We know local building codes, understand Western Pennsylvania weather risks, and have a proven record of winning fair settlements.

When you work with us, you get personal service, transparent communication, and a dedicated adjuster who fights for you.

Take the Next Step

If you’re dealing with water damage, don’t face the insurance company alone. Contact A. H. Neaman Company today for expert help with your commercial water damage insurance claim in Pittsburgh.

We’ll review your situation, explain your coverage, and manage the entire process from start to finish.