Broken Pipe Insurance Claims? Hire An Insurance Adjuster

Have you come home after a long vacation and found your home in a mess due to a broken pipe?  Broken pipes are a very common problem that many homeowners face.  The damage caused by burst plumbing can add up rather quickly.  But dealing with the insurance company can be a nightmare.  Broken pipe insurance claims can be difficult to process on your own, so why try when you don’t have to?  Today we are going to learn how an insurance adjuster can help.

Four Reasons to Hire an Insurance Adjuster for Broken Pipe Insurance Claims

Broken pipe insurance claims can be a chore to navigate.  So getting some help is very important.  Below we will learn four good reasons why hiring a public insurance adjuster just makes practical sense.

  1. Insurance adjuster can get the ball rolling:

    Often insurance companies will drag their feet with your claim. But when they realize you have hired a public adjuster, things have a tendency to speed up. Most insurance companies will want to settle fast once they know you have a professional on the job.

  2. They have the necessary tools:

    When investigating broken pipe insurance claims, public adjusters will have the tools necessary to get the job done. Most of them will have a professional camera to take a clear picture of the damage. This will clearly document the event protecting your rights.  Having clear records is very important when filing your insurance claim.

  3. They can get you the proper settlement:

    Many times insurance companies will offer you the least amount of your claim. If you have burst water pipe, chances are you will have water damage that needs to be repaired. In order to get the maximum settlement, you should hire a professional adjuster to help you out.

  4. You will get professional advice:

    An insurance adjuster will be able to offer professional advice that you can greatly benefit from. They will be able to tell you the extent of the damage and what it will cost to repair. This can help you when it comes time get quotes from plumbing companies.

Tips for Filing an Insurance Claim

Water Damage Claim with APA

When disaster strikes first priority isn’t always the insurance claim.  In fact, it is the lowest thing on the list because of the hassles involved.  The biggest mistake a lot of homeowners make is to depend on the insurance company to check out their damage and hope that they get the money required to pay for that damage.  The biggest problem with depending on the insurance companies is that the insurance companies will only pay for what they can see and if there is damage that isn’t noticeable, you will end up coming out of your pocket for repairs.  This is why, as a homeowner, you should always have a company like A Public Adjusters LLC programmed in your phone.  Insurance companies send out hundreds of adjusters to review claims and they do not carry around the equipment necessary to see the damage that is beyond what is noticeable.  Here are some tips that may help you during the process of an insurance claim.

Insurance Claim Help and Support starts by knowing your rights and ensuring that you are ready (both emotionally and physically) to do the majority of the work.

  • Before you file your insurance claim, take a moment to review your insurance policy and verify your coverage’s as well as the responsibilities of your insurance company in order to settle your claim.  You may request this from your insurance company or review it online if you have online access.
  • Let your insurance company know immediately that you are planning to file a claim:  You are simply giving them a heads up and you do not need to inform them of assessed damage or request an adjuster, just let them know that you have had some damage and that you are simply calling to give them notice of your intent to file a claim for the damages.
  • Take as many pictures as possible of the damage.  It is difficult to get it all and at the time disaster strikes, we don’t always think rationally or we miss details easily.  Sometimes it is recommended that you bring in a family member to help you assess the damage and obtain the photos so you do not end up missing anything important.  This could be the difference of having your damages repaired in a timely fashion and correctly the first time around, or ending up paying for more issues later.

knowing when to file an insurance claim

  • DO NOT stop paying your insurance premiums or mortgage as this will cause more problems for you in the long run.  During a disaster, many property owners fail to make insurance payments and/or mortgage payments and cause bigger problems in the long run.  The claims process is not a short process so being patient and staying on top of your claim can be very helpful.
  • While you are dealing with the insurance companies, remember that they are not interested in your well being, they are a business and they are trying to save themselves as much money as possible.  Do not depend on them, do not assume they will play nicely and certainly do not assume that the representative is capable of making sure your home is fixed properly.  Every time you speak to someone from your insurance company,  chances are it will be a different person and you will never get the decision maker who decides the amount of your claim settlement, so always be friendly but never assume that they will do the right thing, because chances are they won’t.
  • Document everything about the claim process.  This includes estimates, proof of damage, and all the details you hear from everyone you speak to.  During the process of the Insurance claim, you are the only person who knows what your property looked like prior to the disaster so therefore it is so important that you stay proactive in documenting and detailing everything, even going as far as video to prove the damage.
  • Do not exaggerate your claim under any circumstance.
  • Before you sign any legal documents, consult an attorney.  It may seem straight forward, it may read nicely, but never leave it to chance.  Talk to a qualified attorney to ascertain that the documents you are signing are protecting your best interests and not just the insurance companies.
  • Complain in writing and resolve all other issues informally.  This way your written complaint will go up the chain of command and/or involve the government agencies put in place to protect you.

These tips can help speed up and ensure that the claim you file is taken seriously from start to finish.  Never just trust an insurance company, always remember that they are and always will be a “For-Profit” business and that their duty to help you is based on the amount of effort you put forth.  Also remember that you have a right to select who does your repairs and you have a right to consult an attorney during the claims process.

At A Public Adjusters, we have seen a lot of property damage, we have worked with property owners to assess the damage and guide in the process of insurance claims.  Take a moment to contact our office for support throughout your claims process as well as guidance to getting the maximum payout for the damages sustained to your property.

Take a moment to review some helpful articles for ensuring your insurance claim is treated with the utmost respect from the insurance company:

The Best Guide for Handling Property Damage Claims – In addition to the advice we have provided in this blog, here is an attorney’s guide which further elaborates on what needs to be done to effectively file your insurance claim.