Public adjusters managing water damage insurance claims on a timely basis is important to limit your loss and get you back into your property as quickly as possible.

Whether you are suffering loss from plumbing, leaking pipes, leaking roofs, a sewer backup, malfunctioning appliances, water heaters, or storm damage, these events can cause sudden and substantial damage to your property. Such sudden and accidental incidents are typically covered by home insurance, emphasizing the need for a detailed claim for water damage.

Water damage, whether from a burst pipe, leaking roof, or natural disaster, can quickly destroy your property. It can impact your home and business, causing extensive damage that requires costly repairs, creating significant disruption and emotional stress. Types of water damage like ice damming or sump pump failures are also important to consider as they are generally covered.

Dealing with these claims and working out your insurance claims can be difficult and tricky. Especially today, insurance companies are quick to deny claims and limit claim settlements, and very often, your claims are adjusted by inexperienced, overworked, and poorly trained adjusters. Property owners are required to take steps to limit their loss even when insurance company adjusters are nonresponsive and don't visit the site on a timely basis.

At XALT Claims Management, we are experts in maximizing your insurance settlements. We examine all the damage, the source of the damage, limit further damage, and stand up to the insurance company in order to make you whole.

Here are the various types of water damage claims we can help you with:

Burst pipes and plumbing leaks

Burst pipes and leaking pipes can cause catastrophic water damage very quickly. Water always finds the lowest point and floods into all areas, causing damage to the walls and floors and leading to secondary issues, including structural instability and damage from mold. Pipes burst under pressure often lead to accidental water damage, which is a common issue covered by home insurance.

A small crack in your pipe can spill over 250 gallons a day into your home or business. Imagine the damage this will cause and the time it will take to mix the primary and resulting damage.

2. Flood damage

The increasing frequency of weather-related events significantly increases the flooding damage. With the heavy rainfall, storm surge overflowing water damage can be significant, leaving property owners with major loss, devastating their properties, and limiting their ability to use the property. Flood insurance is essential as it covers types of water damage that regular home insurance might not.

3. Roof leaks

This is a major way for water to enter your property and can contribute to ongoing structural and mold issues if not fixed quickly.

4. Sewer backup

The heavy impact of storm damage and sewer backup brings in foul and dirty water, which poses serious health hazards to your property and health. Addressing sewer backup as quickly as possible is urgent.

5. Appliance malfunctions

Water damage often occurs from many appliances, including washing machines, dishwashers, and faulty water heaters. This can result in significant damage requiring prompt intervention and thorough documentation.

Why do you need XALT Claims Management?

After suffering water-related damage, it’s important to document the damage, identify the source of the damage, remove the water, and clean up the property as quickly as possible to limit ongoing and related issues.

It is important that you understand that it is your responsibility to mitigate further damage.

We find that in many water-related events, insurance companies do not deal with the remediation on a timely basis, which only makes the damage all that much worse.

Don’t let water damage destroy your property. Let XALT Claims Management determine the source of the loss, limit further loss, and coordinate the insurance claim to get you what you deserve quickly and in a timely manner.

How to make a successful water damage insurance claim in Canada

Water leaks can cause significant damage to your home or business, leading to costly repairs and disruption to your daily life. Fortunately, if you have water damage insurance, you can file a claim to receive compensation for the damage caused. However, making a successful water leak insurance claim can be a complicated process.

Document the Damage

As soon as you notice the water leak, it's important to document the damage by taking photos or videos. This documentation will be essential when filing your insurance claim. Make sure to take clear and detailed photos of the affected areas, including any damage to the walls, floors, ceilings, and personal property. You should also keep a record of any conversations you have with your insurance company, including the date, time, and name of the representative you spoke with.

2. Notify Your Insurance Company

Once you have documented the damage, you should notify your insurance company as soon as possible. Most insurance policies require you to report any damage within a certain timeframe, so it's important to act quickly. When you contact your insurance company, make sure to provide them with a detailed description of the damage, including the cause of the water leak. Your insurance company will likely send an adjuster to assess the damage and determine the amount of compensation you are entitled to.

3. Mitigate Further Damage

After you have notified your insurance company, it's important to take steps to mitigate further damage. This means taking action to prevent the water leak from causing any additional damage to your property. For example, you may need to turn off the water supply, remove any standing water, or cover any damaged areas with tarps or plastic sheeting. Your insurance company may also require you to take certain steps to mitigate the damage, so make sure to follow their instructions carefully.

4. Get Professional Help

Dealing with water damage can be a complicated and time-consuming process, so it's often a good idea to get professional help like XALT. A water damage restoration company can help you with the cleanup and repair process, ensuring that your property is restored to its pre-damage condition. They can also provide you with documentation of the damage and the repairs, which will be useful when filing your insurance claim.

5. Keep Track of Expenses

When dealing with water damage, you may incur a variety of expenses, including the cost of repairs, temporary housing, and replacement of damaged personal property. It's important to keep track of all of these expenses, as they may be reimbursed by your insurance company. Make sure to keep receipts and invoices for all expenses related to the water damage.

6. Be Persistent

Making a successful water leak insurance claim can be a long and frustrating process, but it's important to be persistent. Keep in touch with your insurance company regularly, and follow up on any unanswered questions or requests for information. If you feel that your claim is not being handled properly, you can file a complaint with your provincial insurance regulator.

In conclusion, making a successful water leak insurance claim in Canada requires careful documentation, timely notification to your insurance company, mitigation of further damage, professional help, tracking of expenses, and persistence. These tips can help you process your insurance claim quickly and receive the compensation you deserve.

Are you dealing with a water damage home insurance claim?