Water Insurance Claims

Water damage is one of the most common types of property damage faced by home and business owners. What’s more, it is also one of the most expensive and time consuming because the full extent of the damage is frequently missed or underestimated. Often times, insurers try to downplay the magnitude of water damage in order to minimize payment. To make matters worse,

estimating the damage caused by water is very difficult. Water damage occurs behind walls, underneath floors and in ceilings, making the amount of damage done to the property hard to quantify. And yet, properly documenting the extent of the damage directly impacts your ability to restore your home or business to its original condition.


Homeowners come to us with the following concerns after experiencing water damage:

  • The loss mitigation company that the insurer sent out did not do a good job and the insurer is refusing to pay another company. What happens now?
  • Does my policy cover items damaged by mold?
  • The insurance company is disputing the cause of the water damage. What should I do?
  • Will the insurance company pay me to live somewhere else? For how long?

Business owners state the following concerns:

  • The insurance company’s delay exacerbated the water loss, but the insurer is refusing to pay for the additional damage. What can I do so they cover the additional damage?
  • The insurance company is not willing to participate in the appraisal process. What now?
  • The insurer stated that the water loss does not justify ceasing my business operations. Therefore, the insurance company refuses to pay for lost income. How can I combat this?

When it comes to the disastrous long-term effects of water damage on your home or business, acting promptly and efficiently is crucial. At Harmon Law, our experienced public adjusters and attorneys are knowledgeable about the intricacies of water damage claims and the common tactics used by insurance companies. We hold insurance companies fully accountable to their obligations to you.

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