MERCURY INSURANCE Water Damage Loss - California Public Adjusters - Contact us!
- CALIFORNIA Public Adjusters
- Aug 22, 2024
- 6 min read
CALIFORNIA PUBLIC ADJUSTERS
INSURANCE CLAIM MANAGEMENT THROUGHOUT CALIFORNIA
Water damage insurance is a type of protection provided in most homeowners insurance policies against sudden and accidental water damage. Water damage insurance does not cover damage resulting from the homeowners' negligence or failure to maintain the home in good repair. Moreover, flooding usually requires a separate policy if available.
Dealing with an insurance claim can be a stressful and time-consuming process, especially if you’re unfamiliar with the insurance industry. Public adjusters like California Public Adjusters are licensed professionals who work on behalf of policyholders to help them with their insurance claims.
Most home insurance policies cover accidental and sudden damage caused by water. For example, a burst pipe that caused damage to a wall or floor would be covered. However, a gradual leak or seepage due to poor maintenance wouldn't be covered. Also, water damage insurance does not cover negligence. Water damage is a major factor in homeowners insurance claims. According to the Insurance Information Institute, water was the third-leading cause from 2017 to 2021, with an average of $12,514 per claim.
We’ve put together a list of some of the different types of water damage and how you can go about preventing them.
One of the most common water damage claims is due to plumbing system failures. Frozen pipes can cause plumbing failures when a pipe bursts due to a buildup in water pressure caused by freezing water in an adjacent section of the pipe. Broken valves and weakened joints can also cause plumbing supply system failures. Other water damage issues in Inland Empire, Orange County, and Los Angeles includes:
Sewer Back-Up
Due to their age, sewer pipe lines can easily crack or burst, resulting in wastewater leaking into your home. Old sewer pipes are also often made from cast iron or clay, both of which are known to collapse over time and cause wastewater to back up.
To prevent water damage from sewer back-up, ensure that the main waste water pipe is fitted with a backflow valve (mandatory in many cities). While this valve will considerably reduce the risk of damages, it does need to be inspected and verified on a regular basis preferably by a qualified plumber.
Ground Water Infiltration
A sump pit drainage system includes a sump pit, a sump pump and a discharge pipe. The sump pit, set into the basement floor, collects water from the weeping tiles around the basement while the pump eliminates the water to a safe location. Regular maintenance and tests it a must in this case.
That is because it will ensure that the sump pump remains in good working order. If you’re in an area where power outages are frequent or with past histories of high water levels, consider installing an emergency generator so the pump remains ready to operate at all times, or installation of an emergency (battery operated) automatic back-up pump system (available at hardware/renovation retailers).
Roofs
Flat roofs use roof drains to evacuate water. These drains should be inspected annually and cleaned of any debris or sludge. The roof deck and membrane should also be inspected for any abnormalities or leaks. For sloped or hip roofs, schedule a regular inspection of the shingles.
Water Heaters
Water heaters don’t last forever. Corrosion will eventually damage the tank, leading to leakage. This can be reduced by installing the water heater in a tray or drip pan, which can be drained to a safe location.
Avoid unpleasant surprises and set a replacement date before the first signs of trouble appear. Water heaters should be thoroughly inspected after 10 years of use. In fact, it’s recommended to replace tanks after this time period (or even sooner depending on the mineral content of the water).
Overflow of Sinks
Overflowing sinks can cause extensive water damage, a result of either blocked/slow drains or by leaving taps running over an extended period of time. A simple inspection of the premises at closing time will eliminate this risk.
To mitigate water damage, have older homes inspected by a licensed plumber every five years, replace older water heaters, use steel-braided supply lines on washing machines, and turn off the supply lines when the machine is not in use. Don't run the dishwasher or washing machine when someone's not at home.
ABOUT MERCURY INSURANCE
Mercury General Corporation(NYSE: MCY) is the leading independent agency writer of automobile and home insurance in California, and is ranked as the sixth largest private passenger automobile insurer in California overall with total assets of more than $6.7+ billion.* Mercury also writes automobile and home insurance in Arizona, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as automobile insurance in Florida. In addition to automobile insurance, Mercury offers a wide range of policies such as business owners, business auto, landlord, mechanical protection and umbrella.
MERCURY INSURANCE provides residential and commercial clients insurance for:
Since its formation in 1961, Mercury has provided customers with tremendous value for their insurance dollar by pairing competitive rates with excellent customer service. The company has received J.D Power's prestigious Digital Experience Study Award, earned A ratings from A.M. Best and Fitch, and has been recognized by Forbes as one of "America's Best Mid-Size Employers" and "Best Employers for Women." Mercury has also four consecutive "Best Auto Insurance Company" awards from Insure.com for being rated one of their top providers in the U.S. by consumers.
WHY YOU SHOULD CALL CALIFORNIA PUBLIC ADJUSTERS?
Underpaid or denied by your insurance company?
Call us now for a FREE CLAIM ASSESSMENT!
California Public Adjusters is an Insurance Claim Management Company serving residential and commercial clients in and around Inland Empire, Orange County, Los Angeles, and other surrounding nearby cities in Southern California. As the trusted insurance Public Adjusters, they have helped multiple clients with their public adjusting services such as Water Damage Claim, Fire Damage Claim, Mold Damage Claim, and Commercial Claims.
The Benefits of Hiring California Public Adjusters for Your Water Damage Insurance Claims
Experience and Expertise
Time-Saving
Improved Settlements
Reduced Stress
No Upfront Costs
California Public Adjusters is a BBB A+ rated residential & commercial Insurance Public Adjuster Company. Our team helps you navigate the tedious and stressful process of filing insurance claims with zero out-of-pocket expenses. We will maximize your claim amount to ensure you get what’s rightfully yours, regardless of dealing with denied or underpaid insurance claims.
CALIFORNIA PUBLIC ADJUSTERS
THE TRUSTED INSURANCE CLAIM MANAGEMENT COMPANY THROUGHOUT CALIFORNIA
Serving Residential & Commercial Clients in and around Inland Empire, Orange County, Los Angeles
Our expert California insurance adjuster company stands out for our commitment to exceeding customers’ expectations. We try our best to deliver a “wow” experience to the policyholder every step of the way while supporting your need to settle any property claim. We aim to deliver the highest quality customer service while maximizing claims. We are subject matter experts in the insurance industry, striving to be Florida’s best public insurance adjusters.
✅NEW, UNDERPAID & DENIED CLAIMS
✅ALL TYPES OF LOSSES
✅WE MAXIMIZE YOUR CLAIM
✅GET EVERY PENNY YOU ARE OWED
Reach out to California Public Adjusters - The Trusted Insurance Public Adjusters in Southern California. Our licensed professional license adjusters will help inspect your property loss or damage to assess what should be included in the estimate and what’s owed to you. We will also submit all documentation to the carrier and fight with them to get you every dollar you’re owed, not a penny less. Lastly, we will apply all missing line items with proper documentation proving that a supplemental payment is needed.
We can reach a fair settlement even if you have denied insurance claims. We do not stop fighting until you have every dollar you need to repay and leave you whole again correctly.
A California Public Adjuster is a licensed and bonded insurance professional representing policyholders in dealing with insurance companies. We assist clients from Residential, Property Management, Commercial, Hotels, and Businesses in and around Inland Empire, Orange County, Los Angeles, and throughout Southern California.
CALIFORNIA PUBLIC ADJUSTERS
INSURANCE CLAIM MANAGEMENT THROUGHOUT SOUTHERN CALIFORNIA
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California Public Adjusters will inspect the damage to a policyholder’s property and determine the full extent of the loss. We will also negotiate with insurance companies on behalf of their clients to get the highest possible settlement. If necessary, they will represent policyholders in court to get the compensation they deserve.
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