Our insurance claim help is paperwork that stands up, meaning photos, moisture maps, a list of what was removed and why, and drying logs, so your adjuster can see the job instead of guessing at it.
- Your claim
- You and your insurer own the claim.
- Our part
- Documentation and a written estimate.
- Covered most often
- Sudden discharge from plumbing or appliances.
- Call
- (702) 602-6461 before you throw anything out.
What we do and what we do not do
We document the loss and write the estimate for the work. We do not represent you to your insurer or negotiate your settlement. That is the job of you, a public adjuster you hire, or a lawyer. Contractors that act as public adjusters have drawn state cease and desist orders, and you should be careful with any company that says it will handle your claim for you.
What we can do well is give your adjuster a file that is easy to say yes to.
The file we build
- Photos and video of every wet area before anything is moved or removed.
- The source of the water, photographed and written down.
- The category of water and the class of the loss, with the reason.
- A moisture map with the dry standard.
- A list of removed materials and why each one could not be saved.
- Readings from each visit until the job was dry.
- A separate rebuild estimate.
What is usually covered
The Insurance Information Institute says sudden and accidental discharge from plumbing or appliances is a covered peril on most home policy forms, though not HO-1 or HO-8. Flood is excluded from standard home, condo and renters policies. Sewer backup is not covered unless you added it. Damage from poor maintenance is not covered.
Water damage and freezing made up 22.6 percent of homeowners claims in 2023, and the average claim from 2019 to 2023 was $15,400, per the same source. It is one of the most common claims there is, and adjusters see a lot of them.
Before you call your insurer
- Stop the water and make the house safe.
- Take photos and video of everything before cleanup.
- Keep damaged items, or photos of them, until the adjuster says you can toss them.
- Write down the date, time and what you saw.
- Start drying. Policies expect you to prevent further damage.
Our full walkthrough of a Nevada water claim is in the guides.
Where we do this
North Las Vegas, Aliante, Sun City Aliante, Eldorado, Villages at Tule Springs, Valley Vista, Craig Ranch Park Area, Centennial Hills, Las Vegas, Summerlin, Henderson.