Homeowners Insurance Claims for Water Damage

Water damage may be sudden and accidental, but it can cause immediate and long-term damage to your home and the health of your family. We are here as your policyholder advocates to handle every part of the claim process in dealing with your insurance company to get you the optimum amount from your claim.
Our public adjusters pour over every detail of your homeowners insurance policy to make sure you know what you are entitled to recover.

Water damage can come from storms and floods or from a frozen and burst pipe. Within moments, the ceilings, walls, and floors of your home can be damaged along with expensive electrical systems. Also, the moisture from water damage can lead to mold growth, making your home unsafe. The immediate need to clean up and control as much damage as possible may delay you in the beginning, but organizing a plan for the handling of your water damage claim will be vital to your recovery.

Our team of public adjusters will work on your behalf and negotiate with your insurance company for a maximum claim recovery. As your trusted advisors, we are fluent with insurance policy terms and conditions. We will evaluate and document your property’s water damage in full detail to make sure you receive the optimum amount to recover.

What To Focus On After Water Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • How much do I really need to know?
  • How much of my time will this take?
  • How can I minimize the emotional toll on my family?
  • How can I minimize the effect on my work/career?
  • How large of an advance should I expect?
  • Is there anyone on my side?
  • How much time over the next several months will you need to put aside to handle your claim properly? How will all of those hours affect your family? Your job?
  • What is the emotional investment that you will need to commit to the process?
  • Can you get paid for your time?
  • Are you entitled to an advance from the insurance company? What is reasonable?
  • What is your broker or agent’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
  • Are you familiar with the forms/practices below and what their request/issuance is telescoping? Request for a Proof of Loss. Reservation of Rights letter. Request for an Examination Under Oath.

Property Damage Losses Homeowners Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Team Helps You

  • Evaluate Evaluating your insurance policy to establish the best possible strategy for presenting your claim to the insurer.
  • Strategy Valuing, documenting, and substantiating every detail.
  • Communication Keeping you informed every step of the way.
  • Negotiation Negotiating on your behalf with your insurance company.
  • Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Homeowners We Have Helped

[Your team] was very professional and competent in their approach to our claim and kept us fully informed throughout the process. [Your public adjuster] was always available to take our calls, and never hesitated to consult his colleagues when necessary, to tap into the complete resource and experience base of the firm for our benefit.
Gerald W. Bodzy
Homeowner, Houston, TX
Testimonial
  • Alfonso Vastola - Castle Rock, CO
  • Annette Bank - Louisville, CO
  • Bill Houston - Vail, CO
  • Bob & Janet Alter - Denver, CO
  • Borne & Cronin - Edwards, CO
  • Carol Freyer - Snowmass, CO
  • Cynthia Sawyer - Denver, CO
  • Diane Johnson - Santa Fe, NM
  • Eugene DeLuise - Scottsdale, AZ
  • Harvey & Sharon Barnard - Denver, CO
  • Keith & Debbie Hollsinger - Walden, CO
  • Lindsey Vonn - Park City, UT
  • Phyllis Ursetta - Denver, CO
  • Robin Castellino - Boulder, CO
  • Tom Monaco - Park City, UT
  • Valerie Shore - Denver, CO

Related Resources

Contact Us

If you're suffering from a homeowner property claim, we can help!
Call us at 800.578.1851 or fill out the form below:
( * ) indicates required field
Sorry, there was a problem with your submission.
Meet Your Public Adjuster
Jim Beneke
Jim Beneke, SPPA
President
Jim is a third-generation public adjuster, he has a reputation for honesty and integrity in negotiating a fair and proper insurance settlement for his clients.
Contact him today!