Maximize Your Water Damage Claim with Expert Help
Water damage happens fast—and the insurance process doesn’t make it any easier. Whether it’s a burst pipe during a cold PA winter, a sump pump failure after a heavy NJ storm, or a sudden appliance leak, navigating water damage claims requires quick action and expert support.
At Alliance Adjustment Group, our licensed water damage public adjusters represent YOU—not the insurance company. We document every detail, negotiate on your behalf, and fight to secure the settlement you’re entitled to.
Water claims can be complicated
Water damage insurance claims can be some of the most complicated claims for homeowners. This is because only certain types of water damage are covered under a typical homeowners’ insurance policy.
Sudden and accidental water damage from burst pipes is covered under most insurance policies. However, flood damage and water back up from sewers, drains, and sump pump overflow usually require additional optional coverage.
Given the confusing nature of water damage claims, it is best if you have an expert water damage public adjuster assess the cause of the damage and compare this with your insurance policy to work out if you are covered.
Understanding What Counts as Water Damage
Not all types of water damage are treated the same by insurance companies. Most homeowners policies in Pennsylvania and New Jersey cover sudden and accidental water damage—like:
Burst or frozen pipes
Leaks from appliances or plumbing failures
Wind-driven rain entering through sudden roof or siding damage
Overflowing fixtures (tubs, toilets, sinks)
However, many policies exclude:
Flooding from rising groundwater
Sewer or drain backups (unless you added a rider)
Long-term leaks or gradual seepage
Poor maintenance issues
Understanding what’s covered and what isn’t is the first step to getting your claim paid fairly.
How to File a Water Damage Insurance Claim (Step-by-Step)
Most homeowners don’t realize how many mistakes can jeopardize their claim. Following the right process matters.
Ensure Safety & Stop the Water Source
Shut off water, power, and any affected systems until it’s safe.
Document the Damage Immediately
Take wide-angle photos, close-ups, videos, and notes. This is one of the biggest factors in whether a claim gets approved—or underpaid.
Contact a Water Damage Public Adjuster
Before contacting your insurance carrier, speak with a licensed water damage public adjuster. Insurance companies assign their own adjusters to handle the claim process. Having your own representation ensures your damages are documented just as thoroughly.
Notify Your Insurance Company
Once you have expert guidance, your claim must be reported quickly to avoid denial for “late notice.”
Prevent Further Damage
Drying, dehumidifiers, extracting standing water, and tarping damaged areas—anything necessary to mitigate additional loss.
Meet the Insurance Adjuster (With Representation)
Your insurer will send an insurance adjuster to inspect the property. A public adjuster should be there with you to ensure nothing is overlooked and your damages are fully documented.
Water damage claims are among the most frequently underpaid in both PA and NJ. Here’s why policyholders choose Alliance Adjustment Group. We:
Inspect and measure every affected surface
Use forensic moisture tools to prove hidden damage
Create detailed repair estimates
Prepare and submit all documentation
Negotiate directly with the insurance company
Challenge incorrect denials or lowball offers
Most homeowners don’t realize how much they’re entitled to until a water damage public adjuster steps in.
Denied or Underpaid Water Damage Claim?
It happens more often than people realize—especially with:
sump pump failures
long-term leaks misclassified as “wear and tear”
storm-related rain improperly labeled as “flooding”
sudden pipe bursts blamed on “lack of maintenance”
If your claim was denied or the estimate doesn’t match the real damage, our team can step in and reopen the file.
FAQs About Water Damage Claims
Does insurance cover water in my basement in PA or NJ?
It depends on the cause. Burst pipes? Usually yes. Groundwater flooding? Typically no—unless you have flood insurance. A public adjuster for water damage can help you figure out if you’re covered.
Do I need a public adjuster?
If the damage is significant or you’re unsure what your policy covers, yes. A public adjuster ensures you’re not underpaid.
What if the insurance adjuster says the damage isn’t covered?
Coverage depends on the cause of the water intrusion. If something is classified incorrectly—such as “flooding” versus “water damage”—a water damage insurance adjuster working on your behalf can review the findings, explain your options, and help with next steps.
Can I remove wet materials before the adjuster arrives?
Yes, if they pose a safety hazard or risk further damage, but document everything thoroughly beforehand. Keep receipts for any emergency services or materials used.
How long does a water damage claim take?
Timelines vary based on the cause, the extent of the damage, and how quickly the loss is reported. Claims involving structural drying, mold concerns, or large areas of damage may take longer. A public adjuster helps keep the process organized and moving efficiently.
What should I do if there is mold after the water damage?
Mold can develop quickly after a water event. Some policies provide coverage when mold results from a covered water loss. Proper documentation and fast action are key to supporting the claim.
Contact us today!
Contact us today or visit our Doylestown office to get started.
Address: 435 N Main St, Doylestown, PA 18901. See driving directions.
Open 24 hours
Phone number: 267-880-3000
Email: claims@allianceadjustment.com
If you do have a water damage claim, our expert public adjusters will fight for you to ensure that you receive maximum compensation on your claim. We will persevere on your behalf to make sure your insurance company gives you what you deserve.
We work for you, not the insurance company, therefore, we have your best interests at heart throughout the entire claims process. Contact us today or use the form below for an obligation-free consultation on your water damage claim.
AREAS WE SERVE
Alliance Adjustment Group proudly assists homeowners and businesses with water damage claims across Pennsylvania and New Jersey. Our licensed public adjusters provide local expertise, quick response times, and a deep understanding of regional building types, weather patterns, and insurance requirements.
Pennsylvania
Delaware County
Chester County
New Jersey
Ocean County
Atlantic County
Burlington County
If you live in any of these areas and are dealing with water damage, our team is ready to help guide you through the claims process and protect your property.
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