Water Damage

What Causes of Water Damage Are Covered by My Insurance?

Water Damage to property are one of the most common claims reported in South Florida. More often than flooding Water Damage is caused by incidents such as:

AC leaks
Water main or pipe breaks
Wind-driven rain
Refrigeration, dishwasher, or other appliance leaks

Shower pan leaks
Sewage overflow or backups
Common household Malfunctions

It is especially important to work quickly when dealing with water damage because of the side effects that come with sitting water in damp, humid, and warm locations. Such problems include mold growing in or around affected areas and corrosion of affected property.

Santos Public Adjusters will work quickly and effectively with stateoftheart equipment to get the damages documented as quickly as possible so that you can get damages fixed and avoid more damage to your property.

Do you have any of
the damages below?

Roof leaks

Ceiling Damage

Sewer Line Damage

Water Heater Bursts

Broken Drain Lines

Broken Supply Lines

Broken angle stops

A/C Unit Leak

Call Santos Public Adjusters Today for A Free Property Inspections and Policy Evaluation!

(305) 696 - 7818

Water Damage Insurance Claim Checklist

1. Ensure Safety First

Turn off electricity in affected areas if safe to do so.
Avoid standing water if electrical hazards are present.
Wear gloves and protective gear when inspecting damage.

2. Stop the Source of Water

Identify and stop the source (shut off water, cover roof leaks, etc.).

3. Document Everything

Take wide and close-up photos/videos of all affected areas, including walls, ceilings, floors, furniture, and personal items.
Photograph the source of the water (burst pipe, roof leak, etc.)5.
Make a written record of the date, time, and areas affected5.

4. Create a Detailed Inventory of Damaged Property

List all damaged items, including descriptions, purchase dates, and estimated values3 5.
Gather receipts, manuals, or proof of purchase if available3.
Note the condition of each item before and after the damage3.

5. Mitigate Further Damage

Remove standing water if safe.
Move undamaged belongings to a dry area.
Start drying out the property (fans, dehumidifiers, open windows)1 6 4.
Save receipts for any emergency repairs or mitigation expenses—these may be reimbursable2.

6. Contact Your Insurance Company

Notify your insurer as soon as possible to start the claim process1 4.
Provide your documentation and inventory list5.

7. Work With Professionals

Consider hiring a licensed public adjuster for a thorough inspection and to represent your interests2 4.
Obtain repair estimates from licensed contractors3.
If needed, hire a professional water damage restoration company1 6.

8. Track All Communications

Keep a log of all calls, emails, and letters with your insurance company and contractors5.
Note dates, names, and details of every conversation5.

9. Additional Expenses

Save receipts for temporary housing, storage, pet boarding, or laundry services if you need to leave your home during repairs2.

10. Final Steps

Attend the adjuster’s inspection and walk them through all damages1.
Review your settlement carefully—ask questions about anything you don’t understand1.
Complete a final walkthrough after repairs to ensure all work is finished and satisfactory6.

Insurance Claim

Recovering from water damage in your home can be really tough and expensive. It's important to have someone you can trust to help you with your insurance claim and make sure you get the most money for your losses. Santospa is a well-known group of experts who specialize in helping homeowners like you after their property gets damaged. We are called public adjusters, and our job is to fight for you and make sure you get the compensation you deserve for the water damage caused by floods or other disasters.

First, we will carefully look at all the damage in your home. Our experienced public adjusters will inspect the affected areas and gather evidence to support your insurance claim. We want to make sure that every bit of damage is documented so that you have the best chance of getting the right amount of money.

Preparing an insurance claim can be complicated, but don't worry, we're really good at it. We know all about insurance policies and rules, and we will use our knowledge to put together a strong claim for you. We'll study your insurance policy, figure out what it covers for water damage, and gather all the necessary paperwork to support your claim.

Dealing with insurance companies can be tough because they often want to pay as little as possible. But that's where we come in. We will be your dedicated advocates throughout the whole process. Our skilled negotiators will talk to the insurance company on your behalf and use their expertise to make sure you get a fair settlement. We are on your side and will fight for what's best for you. And remember, we won't charge you any fees if we can't get you compensated.

Water damage can cause a lot of different problems, like damage to the structure of your home, ruined belongings, and even the need to find a temporary place to stay. We understand all the different types of losses you may have, and we'll work really hard to make sure you get the most money possible. We won't just look at the immediate repair costs; we'll also think about any long-term effects the water damage might have on your property. Our goal is to make sure you have the financial resources you need to fix your home and replace anything that was damaged.

We know that dealing with insurance claims can be overwhelming, especially when you're already stressed out. That's why we're here to support you every step of the way. From the moment you start working with us until your claim is settled, we will be there to guide you and answer any questions you have. We want to make this process as easy and smooth as possible for you.

So if you've experienced water damage in your home, don't worry. Santospa is here to help you. We'll make sure you get the money you deserve, and we'll be with you the whole way, providing guidance and support.