Insight into Water Leak Claims!

Water pipe bursts are a common occurrence, and they can cause significant damage to a property. A burst pipe can result in water damage, which can lead to costly repairs, structural damage, and even health hazards. Insurance can provide peace of mind in the event of a burst pipe, but it is important to understand the insurance claims process and what is covered.

Firstly, it is important to note that not all insurance policies cover water damage caused by a burst pipe. Most standard homeowners’ insurance policies cover sudden and accidental water damage, which includes burst pipes. However, policies may have limitations and exclusions, so it is crucial to review the policy thoroughly before making a claim.

Once a burst pipe has been discovered, the first step is to turn off the main water supply to prevent further damage. Next, document the damage by taking photos and videos of the affected areas. It is also important to keep all receipts and invoices related to the repairs and cleanup. Then go to for help!

After documenting the damage, contact the AAA Public Adjusters to file a claim. The insurance company will assign a claims adjuster to assess the damage and determine the amount of coverage. The claims adjuster will also investigate the cause of the burst pipe to determine if there was any negligence on the homeowner’s part, which could affect the amount of coverage.

The insurance company will cover the cost of repairs (plumber’s access only), including cleanup and restoration. However, it is essential to remember that there may be a deductible, which is the amount the homeowner is responsible for paying before the insurance coverage kicks in.

It is also important to note that insurance companies may require homeowners to take certain steps to prevent further damage, such as hiring a professional restoration company or installing a sump pump. Failure to take these steps could result in a reduction in coverage or denial of the claim.

In addition to the damage caused by the burst pipe, insurance may also cover additional living expenses if the property is uninhabitable during repairs. This coverage can include temporary housing and meals, among other expenses.

It is crucial to act quickly when dealing with a burst pipe, as the longer the water sits, the more damage it can cause. Insurance coverage can provide peace of mind and financial assistance during a stressful and challenging time. However, it is essential to understand the policy’s limitations and exclusions and to take the necessary steps to prevent further damage.

In conclusion, a burst pipe can cause significant damage to a property, but insurance can help ease the financial burden of repairs and restoration. Homeowners should review their insurance policy to ensure they have adequate coverage for water damage caused by a burst pipe. If a burst pipe occurs, homeowners should act quickly, document the damage, and contact their insurance company to file a claim. Understanding the insurance claims process and taking the necessary steps to prevent further damage can help ensure a smooth and successful claims experience.

Our highly trained, licensed public adjusters will guide you through the process of preparing and filing an insurance claim in a professional manner. Similar to hiring an attorney if you needed to go to court, or hire a certified public accountant to file your tax return, you should only file an insurance claim with your own professional insurance and construction expert that can be found at

Let get you the maximum return on your insurance claim! See how we can help.

To start a new claim, call 1.800.410.5054 today for a free inspection and policy examination from our Public Adjusters.