Water damage is a common and costly problem affecting any home or building. According to water damage statistics, over 35% of American homeowners have experienced losses because of water damage, and the average insurance payout for water damage is $11,6052. Water damage can result from various sources, such as leaks from pressurized plumbing pipes, plumbing drain pipes, refrigerator icemakers, dishwashers, water heaters, washing machines, or overflows, and more. These types of water damage claims are typically categorized as “plumbing leaks.” However, not all water damage is caused by plumbing issues. Sometimes, water damage can be caused by natural disasters, such as floods, storms, or hurricanes. In that case, it is important to differentiate between water damage claims (plumbing leaks) and flood damage claims.

The Federal Emergency Management Agency (FEMA) defines a flood as a temporary condition of partial or complete inundation of two or more acres and two or more properties of normally dry land. Flood damage can only be caused by overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, mudflow, or collapse of land along the shore of a lake or similar body of water due to erosion or undermining caused by waves or currents of water that exceed anticipated cyclical levels resulting in a flood. Flood damage is not covered by standard home insurance policies, and requires a separate flood insurance policy. According to flood damage statistics, 14.6 million U.S. homes are at risk of flooding, and the average flood claim payout from the National Flood Insurance Program is $52,0002.

A public adjuster may assist the policyholder in dealing with their insurance company. A public adjuster’s role is to help the policyholder understand their rights and responsibilities, assist in filing a claim, and help negotiate a fair and reasonable settlement. They can also help ensure that the policyholder receives the maximum benefits available under their policy.

When water damage strikes, the process of filing an insurance claim can quickly become overwhelming. This is where TIR Public Adjusters LLC steps in to make a difference. With extensive expertise in water damage insurance claims, our team specializes in navigating the complex claims process to secure the settlement you rightfully deserve.

At TIR Public Adjusters LLC, we focus entirely on advocating for policyholders—not insurance companies. We thoroughly analyze your policy, meticulously document your damage, and negotiate aggressively on your behalf to ensure you receive a settlement that reflects the true cost of restoring your property. Our attention to detail and personalized service set us apart in the industry.

Don’t face the insurance company alone. With TIR Public Adjusters LLC, you gain a trusted partner committed to protecting your interests and achieving the best possible outcome.

Let us take the stress out of the claims process so you can focus on rebuilding and moving forward.

CALL US TODAY AT 888 506 1409 or 818-470-2003 FOR A FREE CONSULTATION (even if you have already filed a claim with your insurance company and received a settlement or a denial).