Pipe Breaks, Water Damage, and the Residential Insurance Process
Goodman-Gable-Gould/Adjusters International (GGG/AI), the nation’s leading public adjusting firm, regularly responds to frantic calls from homeowners faced with sudden and sizeable damages to their property from events like frozen and ruptured pipes, burst hoses, appliance malfunctions, and undetected leaks.
Sometimes the damage has been accumulating for days or weeks without anyone realizing it until ceilings collapse and walls, flooring, and furniture are saturated. Other times extreme winter weather conditions cause pipe breaks or other malfunctions that result in serious water damage.
Depending on how much notice homeowners have, there are steps that can be taken to prevent these sorts of issues from happening, and if your claim is a result of improper maintenance or wear and tear, your insurance company may deny coverage. It is vitally important to maintain your home’s pipes in good working order, especially in older homes common throughout the Northeast. Paying attention to the temperatures around your pipes, especially during colder winter months, can help prevent freezing and breaking – and the severe damage associated with the aftermath.
Tips Regarding Water Damage:
- Post-disaster your top priority is to contain and minimize the damage.
- If you experience a pipe break, the first thing to do is shut off the water at its source – either yourself or by calling your local fire department for help.
- Clear out saturated items (carpets, drywall, insulation, etc.) that can contribute to mold growth, which can set in within the first 24 to 48 hours.
- Quickly and thoroughly dry out flooring, structural elements, and wall cavities to help prevent mold growth. Drying machines, dehumidifiers, and proper air circulation are critical to speed up the drying process.
- Have readily accessible all contact information for any regular vendors that are familiar with your building and that you may want to contact during an emergency (plumbers, electricians, contractors, etc.).
- Document your loss through photos and videos.
We’re available 24/7
Often the help of professionals is warranted to make sure that this process is done correctly and quickly. Goodman-Gable-Gould/AI is also available 24/7 to help you find and coordinate with reputable contractors who can assist in restoring your property and mitigating further damages.
Our public adjusters help you get what you’re entitled to by:
- evaluating your insurance policy to establish the best possible strategy for presenting your claim to the carrier;
- valuing, documenting and substantiating every detail;
- negotiating on your behalf with your insurance company;
- keeping you informed every step of the way; and
- ultimately settling the claim for the maximum amount and with less hassle for you.
Public adjusters work exclusively for you – the policyholder – never for the insurance company.
Who have we helped?
What could have been a depressing and very difficult period of our lives was tremendously alleviated by your company. You took care of our lives during the nine months, relieving us of the pressure of negotiating every line item (of which there were hundreds) with [our insurance company]. This enabled us to lead our lives as normally as possible.
Tay & Roger Hahn
Our insurance claims experts have helped thousands of homeowners across all types of industries. We encourage you to look through our references and testimonials and to contact us for recommendation letters. An internal review showed that our clients felt we delivered what we promised and would work with us again—facts we are proud of. We welcome the opportunity to put you in touch with past clients so you can ask them yourself.
Listen to our podcast on “Flood – Understanding and Recovering from One of Nature’s Worst Disasters” for tips from our experts:
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