Water damage from burst pipes can be a nightmare for homeowners. From structural issues to mold growth, the damage can be extensive and costly. If you’re dealing with water damage, you need to know how to properly file an insurance claim to maximize your coverage and ensure a smooth recovery process. At A H Neaman Company, we specialize in helping homeowners in Pennsylvania, West Virginia, and Maryland navigate the claims process and secure the compensation they deserve.

Common Causes of Burst Pipes

Understanding what causes burst pipes can help you prevent them in the future and strengthen your claim when dealing with an insurance provider. Some of the most common causes include:

• Freezing Temperatures: In cold climates, water inside pipes can freeze, expand, and cause the pipe to burst.
• Aging or Corroded Pipes: Over time, pipes can weaken due to wear and tear, increasing the risk of bursting.
• Excessive Water Pressure: If the water pressure in your home is too high, it can strain your plumbing system, leading to bursts.
• Clogs and Blockages: Debris or buildup inside pipes can create pressure points that eventually lead to leaks or bursts.
• Improper Installation: Poor plumbing work or low-quality materials can result in pipe failures over time.

What to Do Immediately After a Burst Pipe

If a pipe bursts in your home, take these crucial steps to minimize damage and ensure a smooth insurance claim process:

1. Shut Off the Water Supply – Immediately turn off the main water valve to prevent further flooding.
2. Turn Off Electricity – If water is near electrical outlets or appliances, turn off the electricity to avoid hazards.
3. Document the Damage – Take detailed photos and videos of the affected areas, including soaked walls, flooring, and furniture.
4. Remove Excess Water – Use towels, mops, or a wet/dry vacuum to remove standing water to prevent mold growth.
5. Call a Public Adjuster – Contact A H Neaman Company to assess your damages, document your losses, and help you handle the insurance claim process.
6. Contact Your Insurance Company – Notify your insurer about the damage, but be cautious when discussing details until you have professional representation.
7. Prevent Further Damage – If safe to do so, move valuables to a dry area and place fans or dehumidifiers in affected spaces.

Does Homeowners Insurance Cover Burst Pipes?

Most homeowners insurance policies cover sudden and accidental water damage from burst pipes. However, coverage varies depending on your policy and the circumstances surrounding the incident. Here’s what you need to know:

• Covered: If the burst pipe was unexpected and unavoidable, such as freezing despite proper precautions, your insurer is likely to cover the damage.
• Not Covered: If the insurer deems the damage a result of neglect (e.g., failing to maintain pipes or heat your home), your claim may be denied.
• Additional Coverage: Some policies exclude mold remediation, plumbing repairs, or temporary housing costs, so check your policy for additional coverage options.

Common Reasons for Water Damage from Burst Pipes Claim Denials

Insurance companies often look for ways to minimize payouts or deny claims. Here are some common reasons water damage claims get denied:

• Gradual Damage: If the insurer believes the leak or burst pipe resulted from long-term neglect rather than a sudden event, they may deny the claim.
• Failure to Take Preventive Measures: If you didn’t take reasonable steps to prevent freezing pipes, your claim could be rejected.
• Late Reporting: Failing to notify your insurer in a timely manner may hurt your chances of getting compensated.
• Insufficient Documentation: Lack of photos, videos, or records of maintenance can weaken your claim.

How a Public Adjuster Can Help with Your Burst Pipe Insurance Claim

Navigating an insurance claim on your own can be overwhelming, especially when dealing with a denied or underpaid claim. A public adjuster acts as your advocate, ensuring you receive the full compensation you deserve. Here’s how A H Neaman Company can help:

• Assessing Damage Accurately: We thoroughly inspect your property and document the full extent of water damage.
• Handling Documentation: We compile all necessary paperwork, including repair estimates, property inventories, and photo evidence.
• Negotiating with Insurance Companies: We handle all communications and negotiations with your insurer to prevent lowball settlements.
• Appealing Denied Claims: If your claim was denied, we can help you appeal the decision with strong evidence and expert testimony.

Why Choose A H Neaman Company?

As experienced public adjusters serving Pennsylvania, West Virginia, and Maryland, we have a proven track record of successfully helping homeowners recover from water damage. We work for you—not the insurance company—to ensure you receive a fair and just settlement.

Don’t let your insurance company undervalue your claim. If you’ve experienced water damage from a burst pipe, call A H Neaman Company today for expert assistance. We’ll handle the claims process so you can focus on restoring your home and moving forward with peace of mind.

Contact Us Today

If you’re facing water damage and need help with your insurance claim, don’t wait! Contact A H Neaman Company today to ensure you get the compensation you deserve. Let us fight for you!