If you live in the Northeastern part of the United States, you don’t need us to tell you that this has been one of the coldest winters in recent memory. Along with record snowfalls in New England, huge swaths of the country have experienced arctic blasts and bitter polar plunges in temperature. As a result, your home or business may have suffered from frozen pipes that led to a broken pipe leak.
If you weren’t lucky enough to catch your broken pipe in time, your property or your personal belongings may have been seriously harmed by water damage. Unfortunately, the process of having your frozen pipe damage covered by your insurance company can be tricky and frustrating.
How Can a PA and NJ Licensed Public Adjuster Help?
A licensed public adjuster will work as a claims advocate on your behalf. In dealing directly with your insurance company, a public adjuster will make sure you get the settlement you genuinely deserve. If your home or business has experienced water damage as a result of frozen burst pipes, he’ll also make sure you don’t find yourself financially gouged during the dryout and restoration process of your property.
Is My Water Damage Covered?
If you have a standard homeowners or commercial insurance property, the answer will almost certainly be “yes”—but with an important caveat or two. The first thing to remember is that no two insurance policies are exactly alike. Even if your policy does coverage the water damage caused by burst pipes, you may still run into trouble when you attempt to get your claim filled.
Some insurance companies, for instance, will try to convince clients that their own personal negligence caused the burst pipe. And if your burst pipes have caused water damage, you may have already learned that some insurance providers will refuse to pay the full amount of an emergency dryout service.
You Can Protect Yourself With a Licensed Public Adjuster
A public adjuster is uniquely trained to push past the roadblocks your insurance company may erect when you file a claim. Our PA and NJ licensed public adjusters are members of the National Association of Public Insurance Adjusters (NAPIA), which means that we know insurance law backward and forward. We know exactly the sort of legal language to use when we file your claim. And because our compensation is tied directly to the size of the payout you receive, you never have to wonder where our loyalties lay.
Don’t hesitate to get in touch if you’d like to learn more about how a public adjuster can make your life easier this winter.