Water Loss

A common misconception that many homeowners have about their homeowner's insurance policy is that all water damage to their home is covered. It's not. While some types of water damage may be covered, flood waters, often referred to as groundwater intrusion in policy language, is not a covered loss under a standard homeowner's policy.

As an adjuster, it is important to understand the covered perils and the common misconceptions of policy coverages. During an inspection we always show compassion for anyone dealing with a loss. If a homeowner has coverage questions, we listen to their concerns and direct them to the right person that can help answer their questions. Regardless of a homeowner's understanding of what their policy may cover, we always treat everyone with the same respect.

We utilize the same method to inspect all property damage every time starting with a full exterior inspection of all sides of the building first. Then if required by the carrier, we perform an interior inspection.