WATER CAN GO ANYWHERE

Water damage insurance claims

Water damage insurance claims are among the most frequent types of claims that Sentry Public Adjusting handles. What is and isn’t covered under your homeowners’ insurance can be difficult to assess without an expert’s help. Sentry Public Adjusting can help you with your water damage claim. Contact us to schedule a free water damage inspection.

LET SENTRY HELP!

WATER CAN GO ANYWHERE

Water damage insurance claims

Water damage insurance claims are among the most frequent types of claims that Sentry Public Adjusting handles. What is and isn’t covered under your homeowners’ insurance can be difficult to assess without an expert’s help. Sentry Public Adjusting can help you with your water damage claim. Contact us to schedule a free water damage inspection.

LET SENTRY HELP!

Water Damage Facts & Statistics​

  • 14,000 homeowners deal with water damage daily in the U.S.
  • 37% of homeowners have suffered losses related to water damage.
  • The average water-heater-damage claim is more than $6,965.
  • 75% of water heaters fail within 10 years.
  • The average claim severity for Southern states was 28% higher than Northern states.
  • Of the water supply hose failures resulting in water damage claims, 78% involved washing machines that were less than 11 years old. Of these failures, 54% occurred in washing machines between 8 and 10 years of age.
  • 250 gallons of water can be lost in a single day from a 1/8-inch crack in a pipe.
  • Water heaters located on the first floor of a home accounted for 33% greater losses than those in basements. For South Florida homeowners, this means a water damage claim involving a water heater can be particularly damaging.
  • Water damage insurance claims have increased by 46% in Florida in the past 5 years alone.
  • Approximately 9% of all water heater failures occurred in unoccupied homes and resulted in 49% higher claims. This is another factor unique to South Florida with our higher number of second homes and “snowbirds” than most other regions of the country.

Sentry Public Adjusting has years of experience helping property owners across South Florida get the most value out of their water damage insurance claims. Whether you’ve just experienced water damage, are dealing with a denied water damage insurance claim or are picking up the pieces after a hurricane, Sentry Public Adjusting is here to make sure you’re protected.

Maximize your water damage insurance claim by scheduling a FREE damage insurance assessment today.

 

 

The 4 Most Important Things You Need to Know About Water Damage

Regardless of how the water damage happened in your home, there are four things you need to know about how to handle water damage to your home or commercial property:

 

  1. Once water damage has occurred, time is of the utmost importance. Mold can begin growing in as little as 24 hours and not dealing with the water leak can lead to a much more involved claim.
  2. Water damage claims are distinctly different from flood damage claims. Knowing which policy to file your claim under can be the difference between getting paid and having your insurance claim rejected. You might think water is water, but that’s not the case when it comes to property damage. Insurance companies are particular when it comes to the differences between damage types.
  3. Consider the water pollution level. There are different classifications of water involved in water damage claims. Which type of water is involved in your claim can make a tremendous difference in the extent of damage caused to your home.
    • Category 1: water from a clean water source, like a fresh-water line from a washing machine or dishwasher. This water will not immediately cause illness or any ill effects. 
    • Category 2: water that may cause illness through contact. It may have bacteria in it.
    • Category 3: water that is highly contaminated. Contact can cause severe illness or death. Think sewage backup, an overflowing toilet or storm waters.
  4. Having a public adjuster help with water damage, on average, results in a 747% higher insurance payout. The OPPAGA Report from the State of Florida proves that homeowners who take advantage of public adjusting services receive far more money for water damage claims than those who choose to go it alone.

    Water Damage Often Creates Mold Damage

    woman and kitchen mold

    Water damage typically leads to mold damage, which can create numerous health hazards. With South Florida’s tropical climate and intense heat, water damage claims left unmitigated can quite often turn into massive mold issues.

    Homeowners’ insurance claims having to do with water damage typically involve pipe leaks, rain damage, storm and hurricane damage. When it comes to rain, Florida received an estimated 63 inches in 2016 alone. Another factor that can greatly influence the extent of water damage to your home is the age and condition of your home.

    Many water damage claims are made worse by the following characteristics of old homes:

    • Older roofs or roofs that were built before major hurricane codes were put into place.
    • Older or outdated plumbing and drainage systems.
    • Outdated electrical systems.
    • Insufficient hurricane protection such as shutters, hurricane windows or preparedness.

    Understanding Your Water Damage Insurance Coverage

    Most homeowners will have a hard time accurately understanding what specifically is covered under their homeowners’ insurance policy and how to best handle a water damage insurance claim. Knowing how to get the insurance companies to pay for water damage isn’t always as simple as your insurance provider will make it seem.

    Having a water damage adjuster from Sentry Public Adjusting assisting with your water damage claims can mean a significantly better claim payout.

    What Our Public Adjusting Service Looks Like

    Our process begins with a FREE in-home inspection of the damage to your home and property. This can be fairly involved. Our in-home appraisals COST NOTHING up front, and we’re available at your convenience to inspect water damage.

    Our water damage insurance adjusting services will cover the following:

    • Reviewing the existing homeowners’ insurance policies to figure out coverages for the damages that have occurred.
    • Evaluating all losses, including building damages, the contents of the building and any additional expenses incurred.
    • Inspecting your home to estimate and substantiate all of the damages to your home. The estimator appointment is a vital part of the claim process.
    • Reopening a previously closed claim if any issues are found after the claim has been settled.
    • Determining all costs for repair of damages.
    • Calculating losses from any business interruptions and additional expense claims for businesses.
    • Presenting all documentation along with the water damage claim to your insurance company.
    • Negotiating with your insurance company on your behalf.

    Sentry Public Adjusting understands that dealing with home damages is no easy task; we know the stress and worry that come with the financial burdens and the paperwork involved with water damage insurance claims.

    We understand that your family is focused on picking up the pieces after facing flood or water damage. We believe that you are entitled to have your property restored to its original condition, and we represent you to achieve that.

    Let Sentry Public Adjusting help make your house a home once again.

     

    West Palm Beach

    560 Village Blvd, Suite 100, West Palm Beach, FL 33409

    Panama City

    571 Harrison Ave, Panama City, FL 32401