Water Damage

The first step is to ensure your safety by turning off the main water supply and electrical power if it is safe to do so. Next, document the damage with photos and videos, and contact Central Florida Claims Adjusters to report the incident. We will guide you on the next steps and schedule a claims adjustor to assess the damage.

During the visit, our claims adjustor will thoroughly inspect the affected areas to assess the extent of the water damage. They will take detailed notes, photos, and measurements. They may also ask you questions about the incident. The adjustor's findings will help determine the coverage and the amount of compensation you are eligible for under your insurance policy.

The time to process a water damage claim can vary depending on the complexity of the damage and the specifics of your insurance policy. Generally, the initial inspection and documentation take a few days, followed by a review period by the insurance company. It typically takes between 1-2 weeks for a final decision and payment, but this can be longer for more extensive cases.

Coverage for water damage depends on your specific insurance policy. Most standard homeowner's insurance policies cover sudden and accidental water damage, such as from burst pipes, overflows, or leaks. However, damage resulting from lack of maintenance, flooding from external sources (like rivers or heavy rain), or sewer backups may not be covered unless you have additional endorsements or separate flood insurance. Always review your policy details and speak with your insurance agent for clarification.