Understanding Water Damage Claims

When it comes to insurance claims, it's important to know that water damage and flood damage are not the same. While both involve water-related damage to your property, the key distinction lies in the origin of the water and the circumstances under which the damage occurs.

The source of the water determines whether, and to what extent, ensuing damage is covered under your insurance policy.

Flood Damage

Flood damage refers to water originating from surface water or groundwater, such as overflow from a river, lake, or heavy rain pooling in low-lying areas. Standard property insurance policies do not cover flood damage. Instead, this requires a separate flood insurance policy, which can be obtained through the National Flood Insurance Program (NFIP) or specialized providers.

The NFIP provides detailed guidelines on what types of property and damages are covered during a flood. Their website includes manuals and resources to help property owners understand coverage options and limitations.

Water Damage

Water damage from sources other than surface water—such as rain seeping through a roof, a burst pipe, or an overflowing bathtub—is typically covered under standard property insurance policies. Flood insurance is not required for these types of incidents.

Challenges in Managing Water Damage Claims

Regardless of the source, serious water damage claims can be complex and stressful for property owners. Swift action is critical to minimize the extent of damage and ensure a smooth recovery. From coordinating emergency responses to accurately assessing liabilities and developing recovery strategies, property owners face numerous challenges.

Key Services for Water Damage Claims

Emergency Response Coordination: Ensuring timely and effective mitigation to prevent further damage.
Policy Analysis and Documentation Review: Reviewing your insurance policy and preparing necessary documentation.
Contingency Planning and Strategy: Developing actionable strategies to protect your property and assets.
Comprehensive Damage Assessment: Preparing detailed claims that accurately reflect the extent of damage.
Settlement Negotiation: Managing negotiations with insurers to secure a fair and timely resolution.

How Eastern Public Can Help

When serious water damage occurs, partnering with an experienced public adjuster like Eastern Public is highly recommended. Our team provides hands-on, day-to-day support to property owners, offering expert guidance and comprehensive claims management. We work on your behalf to ensure the recovery process is handled efficiently and that your claim is resolved fairly.

Whether you’re dealing with residential or commercial property damage, we’ll help you navigate the challenges, from emergency mitigation to settlement negotiation, and oversee the restoration process to completion.

If your property sustains damage, make Eastern Public your first call at 929-999-4674 or email us directly at info@EasternPublic.com.

Let us handle the recovery process while you focus on what matters most.

Learn More

Visit our Directory of Resources for valuable information on dealing with water damage.

CASE STUDIES

Explore real-life examples of how Eastern Public has successfully helped property owners manage water damage claims and recover their losses.

Identifying the Cause of Loss

Our comprehensive forensic investigation in this Hamptons home determined the cause of water damage--correcting the carrier's assessment.

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Assessing Luxury Home Damage

We understand the work, time and materials involved in fully restoring high-end finishes and fixtures.

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Accounting for Shared Costs

We help HOAs, property managers, co-op and condo owners, directing claims and the complex communications required to restore a property.

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Establishing the Value of Historic Finishes

We have unique experience with specialty property valuations and high-end construction.

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Catastrophic Restaurant Fire Recovery

We manage business interruption and property loss claims for restaurants and other businesses in Manhattan and beyond.

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Warehouse Damage Investigation

Our independent investigation into the cause of loss of this warehouse roofing damage altered the course of the claim greatly improving the client's outcome.

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Opportunity Cost of Physical Damage

An apparel retailer suffered a sewer line backup, rendering their corporate office unusable. Eastern Public stepped in to reverse the carrier's denial.
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Mixed-Use Manhattan Property Claim

Eastern Public managed the recovery of a Soho commercial and residential space that sustained water damage affecting all six floors of the property.

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Impacts of Rooftop Pool Defect

We help property managers handle claims, and tenant relationships, through unexpected disaster.

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Countering an Inadequate Offer

We handle inventory loss, property damage, and business interruption for small and large commercial organizations.

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Luxury Policy Claim Negotiation

The owner of this luxury condo thought he had the best policy, but ended up headed toward arbitration. Eastern Public stepped in to correct course.

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Strategic Direction to Recover Arbitration

We work with HOAs, boards, and property managers, tailoring our approach to pursue our clients' most productive course of action on a claim.

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Correcting the Cause of Water Damage

Our independent investigation into the cause of loss reversed the carrier's decision, resulting in full restoration of a world-class property.

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