Insurance claim help in Fort Collins, CO
Water damage insurance claim help
You file the claim. We make sure the damage is documented so your insurer has what it needs to decide.
- Photos and moisture logs
- Itemized scope of work
- We talk to your adjuster
- No cost to ask
What insurance usually covers
Homeowners policies vary, so read yours. In general:
| Situation | Typically covered? |
|---|---|
| Burst pipe, failed appliance, water heater failure | Yes, if sudden and accidental |
| Storm damage that lets water in | Yes, for a covered storm |
| Gradual leak, neglect or poor maintenance | Usually no |
| Flood from rising water, creeks or surface runoff | No. Needs a separate flood policy |
| Sewer or drain backup | Often an optional add-on. Check your policy |
What we do to help
- Take photos and video of every wet area
- Record moisture readings before, during and after drying
- Write an itemized scope of work
- Give you everything your insurer needs in one package
- Meet or talk with your adjuster if you want us to
What to do right now
- Stop the water if you safely can.
- Take photos and video before anything is moved.
- Call your insurance company and start a claim. Policies have time limits for reporting.
- Don't throw out damaged items until the adjuster has seen them, unless they're a health hazard.
- Call us so drying can begin. Most policies expect you to take reasonable steps to prevent further damage.
A note on who decides
We aren't your insurance company or a public adjuster. Your insurer decides coverage and the amount. What we do is make sure the damage is documented, the work is itemized, and the drying is done properly.
Questions about water damage insurance claims in Fort Collins
Do you work with my insurance company?
Yes. Our crews work with all the major insurers and can send photos, moisture logs and itemized estimates directly to your adjuster.
Do I pay up front?
Emergency drying usually can't wait for approval. Talk to us about how billing works for your claim. The crew can explain it on the phone.
How long do I have to report a claim?
It depends on your policy, so check it or ask your agent. Don't wait. Damage is easier to document while it's fresh.
Will a claim raise my rates?
It can, depending on your insurer and claims history. Ask your agent before filing, and don't let that stop you from drying the house.
What if the claim is denied?
Ask for the reason in writing. You can appeal, and your documentation matters. For a dispute, consider talking to a public adjuster or an attorney.