water damage claim Archives

Mistakes Homeowners Make When Filing Water Damage Claims

A H Neaman on April 8, 2025

Water damage is a major problem that many homeowners face. It can come from leaking pipes, flooding, or a damaged roof. While insurance can help cover the costs, many homeowners make mistakes when filing their water damage claims. These mistakes can delay the process, reduce payouts, or even lead to claim denials. Knowing these common mistakes can help you avoid them and ensure you get the compensation you deserve.

If you live in Pennsylvania, West Virginia, or Maryland, A H Neaman Company can help. We are experienced public adjusters who know how to handle water damage claims and will work to ensure you get the best possible outcome.

Not Documenting the Damage Properly

One of the biggest mistakes homeowners make is failing to document the damage thoroughly. Without solid proof of the damage, your insurance company may not fully understand the extent of the problem. This could lead to a lower payout or even a denied claim.

When water damage occurs, take detailed photos and videos of everything, from soaked furniture to damaged walls and floors. Make sure you capture both the immediate damage and any ongoing issues, such as mold growth. If you aren’t sure what to document, a public adjuster can guide you in properly documenting the damage.

Waiting Too Long to File a Claim

Many homeowners wait too long to file their claims, not realizing that most insurance policies have strict time limits for reporting damage. The longer you wait, the more likely the insurance company will deny your claim or reduce your payout.

Water damage spreads quickly. Whether it’s from a burst pipe or a leaking roof, the damage can worsen if you delay. It’s important to contact your insurance company as soon as possible after the damage happens. A public adjuster can help you understand the deadlines in your policy and make sure you don’t miss any critical timelines.

Making Repairs Before Contacting the Insurance Company

Homeowners often want to repair the damage right away to prevent further issues like mold growth. However, fixing the damage before the insurance company inspects it can hurt your claim.

Insurance companies want to assess the damage before you start making repairs. If you do repairs before they’ve had a chance to inspect, they may not cover the cost of those repairs. To avoid this, make sure you notify your insurance provider and wait for an adjuster to assess the damage before you take any repair actions.

Not Understanding Your Insurance Policy

Many homeowners don’t fully understand what their insurance policy covers, which can lead to confusion later. Some water damage, such as flooding, may not be covered under your regular homeowner’s insurance.

It’s important to understand what is included and excluded in your policy. If you’re unsure, take time to review it carefully. A public adjuster can help you understand your policy and what it covers. We’ll also identify any gaps in your coverage, so you can make sure you’re properly protected.

Failing to Mitigate Further Damage

After the initial damage occurs, most policies require homeowners to take steps to prevent further damage. This is known as the duty to mitigate damage. If you don’t act to minimize the damage, your insurance company may reduce the amount of money they pay out or deny your claim entirely.

Mitigating damage can include shutting off the water supply, removing standing water, or calling a professional to help with cleanup. Keep records of your actions and take photos of what you’ve done. This will help strengthen your claim.

Not Hiring a Public Adjuster

Many homeowners try to handle their water damage claim without professional help. This can be a mistake. Insurance companies have adjusters who work for them, not for you. They may offer you less money than you deserve to settle your claim quickly.

A public adjuster works on your behalf to ensure you get the maximum payout possible. We know how to navigate the claims process, document the damage, and negotiate with the insurance company. By hiring a public adjuster, you can increase your chances of getting the full compensation you need.

Not Keeping Records of Damaged Items

Insurance companies often require proof of ownership and the value of your damaged items. Many homeowners forget to keep receipts or records for things like furniture, electronics, or personal belongings that are damaged.

Make sure you keep receipts, photos, or other documentation for valuable items in your home. If you don’t have proof, your claim may be underpaid. A public adjuster can help you make sure you’ve gathered all the necessary documents to support your claim.

Accepting the First Offer Without Negotiating

Insurance companies often make an initial offer that is lower than what homeowners are entitled to. If you accept the first offer, you may not get the full compensation needed to repair the damage.

A public adjuster can help you evaluate the initial offer and decide if it’s fair. If the offer is too low, we can negotiate with the insurance company to get you a better settlement. Having an expert on your side can make a big difference in the outcome of your claim.

Call A H Neaman Company for Help with Your Water Damage Claim

Filing a water damage claim can be stressful, but with the right support, you can avoid common mistakes and ensure that you get the compensation you deserve. A H Neaman Company is a public adjuster serving Pennsylvania, West Virginia, and Maryland. We have the experience to handle water damage claims and will work with your insurance company to make sure you get a fair settlement.

If your home has suffered water damage, don’t hesitate to reach out to A H Neaman Company. We’ll help you document the damage, file your claim, and negotiate with your insurer. Call us today and let us help you get back on track.

Tips for Navigating Water Damage Claims

A H Neaman on December 3, 2024

Water damage is one of the most common and costly issues homeowners face. From burst pipes and leaky roofs to flooding and appliance malfunctions, water damage can lead to extensive repairs and disruption. Filing an insurance claim for water damage may seem overwhelming, but understanding the process can help you navigate it smoothly.

For those in Pennsylvania, Maryland, and West Virginia, enlisting the help of a public adjuster in Pittsburgh or your local area can ensure your claim is handled effectively, and you receive the compensation you deserve.

Types of Damage Covered by Homeowner’s Insurance

Not all water damage is created equal in the eyes of insurance companies. Most standard homeowner’s policies cover:

Sudden and Accidental Damage: Events like burst pipes, appliance malfunctions, or water heater leaks.
Storm-Related Damage: Water damage caused by wind-driven rain or storms.
Roof Leaks: If caused by a covered peril, such as a storm or fallen tree.

However, insurance policies typically exclude:

Gradual damage due to neglect or poor maintenance.
Flood damage, which requires separate flood insurance.
Sewer or drain backups unless you’ve purchased additional coverage.

Understanding what your policy covers is crucial before filing a claim.

Steps to Take After Water Damage

Acting promptly after water damage occurs is essential to minimize losses and ensure your insurance claim is processed efficiently.

1. Stop the Source of Water

Locate the source of the water and stop it, if possible. Shut off the main water supply for plumbing-related issues, or call professionals to address the problem.

2. Document the Damage

Take photos and videos of all affected areas, including the source of the water, damaged items, and structural damage. Proper documentation is critical for proving your claim.

3. Prevent Further Damage

Most insurance policies require homeowners to mitigate additional damage. This may involve drying out wet areas, removing water-soaked items, or covering a leaking roof with a tarp. Save receipts for any expenses related to these actions.

4. Notify Your Insurance Company

Contact your insurer as soon as possible to report the damage. Provide them with an initial overview and ask about their specific requirements for filing a claim.

5. Contact a Public Adjuster

Hiring a public insurance adjuster can be invaluable during the claims process. They can assess the damage independently, handle documentation, and negotiate with the insurance company on your behalf.

Common Challenges in Water Damage Claims

Water damage claims can be complex and fraught with challenges, including:

1. Disputes Over the Cause of Damage

Insurers often investigate whether the damage was sudden and accidental or due to negligence. A public adjuster can help you establish the cause to strengthen your claim.

2. Underestimated Repair Costs

Insurance companies may provide a lower estimate for repairs than is realistic. A public adjuster can provide a more accurate assessment to ensure your settlement covers the actual costs.

3. Delays in Processing

Water damage often requires urgent repairs. Delays in claim processing can leave homeowners in limbo, waiting for funds to proceed.

4. Denied Claims

Insurers may deny claims outright, citing exclusions or improper filing. A public adjuster can help appeal these decisions and fight for the compensation you deserve.

Why You Need a Public Adjuster for Water Damage Claims

Hiring a public adjuster in Pittsburgh, Maryland, or West Virginia can make a significant difference in the outcome of your claim. Here’s why:

1. Expertise in Policy Interpretation

Public adjusters are well-versed in the fine print of insurance policies. They can identify all coverages applicable to your situation and ensure nothing is overlooked.

2. Comprehensive Damage Assessment

A public adjuster will conduct a thorough evaluation of all water damage, including hidden issues like mold, structural damage, and weakened foundations.

3. Skilled Negotiation

Public adjusters advocate for homeowners, negotiating with insurers to secure a fair settlement that accurately reflects the extent of the damage and repair costs.

4. Faster Claims Processing

With a public adjuster managing the documentation and communication, claims are often processed more efficiently.

Water Damage Claims in Pennsylvania, Maryland, and West Virginia

Claims in these states come with unique challenges due to weather conditions, building regulations, and regional risks.

Pennsylvania: Freezing temperatures can lead to burst pipes, a common cause of water damage.
Maryland: Coastal areas face storm surges and flooding risks, which may complicate insurance claims.
West Virginia: Heavy rainfall and older infrastructure can contribute to significant water damage issues.

Choosing a public adjuster familiar with these regional factors ensures your claim is handled with local expertise.

Tips for a Smooth Water Damage Claim

Act Quickly: Prompt action reduces additional damage and demonstrates responsibility to your insurer.
Keep Records: Save all correspondence, receipts, and estimates related to the damage and repairs.
Review Your Policy: Understand your coverage, exclusions, and responsibilities.
Consult Professionals: A public adjuster can guide you through the process and prevent costly mistakes.
Don’t Accept the First Offer: Initial settlement offers are often lower than what you’re entitled to.

A H Neaman Company: Your Trusted Public Adjuster

This damage can disrupt your life, but filing an insurance claim doesn’t have to be a nightmare. At A H Neaman Company, we specialize in water damage claims and serve homeowners in Pennsylvania, Maryland, and West Virginia.

Our licensed public insurance adjusters are dedicated to helping you:

Accurately assess the damage.
Document losses thoroughly.
Negotiate with your insurance company for a fair settlement.

Don’t settle for less than you deserve. Contact A H Neaman Company today to ensure your claim is handled with expertise and care.

Water damage claims are often complicated, but with the right preparation and support, you can navigate the process smoothly and secure the compensation you need. Trust A H Neaman Company to advocate for your best interests and help you recover with confidence.