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MRP Program / Property Damage / PUBLIC ADJUSTERS / Water damage claims

5 rules to follow to get the insurance company to pay for your water damage

5 rules to follow to get the insurance company to pay for your water damage

Rule 1
Identify the cause of the water leak and take steps to stop it. 

Preventing additional damage from occurring is the goal of this step. Most, if not all, homeowners insurance policies require you to take reasonable actions to stop the damage from spreading. 

When it’s safe to do so, try to find the source of the water and try to stop it from flowing. This can be done in one of many ways depending on the source of the water. For example, if you have a toilet overflowing, causing flooding in your master bedroom, you can typically shut off the individual water supply valve by hand. 

Rule 2
Take images and videos of any damaged areas and damaged possessions. 

Pictures and videos will act as supporting evidence to back up your water damage claim with the insurance company. If you can include images and videos of your property prior to it sustaining water damage, then that will be a plus!   

Working with a public adjuster will help you maximize your payout because public adjusters utilize highly advanced and sophisticated equipment to uncover deep damage that’s not easily seen with the naked eye.    

Rule 3
Report the claim to your insurance company 

We can help with this step!

Properly reporting the claim as soon as possible is critical to helping you commence the restoration process. You may need to contact a water damage restoration company to prevent further damage from occurring. Water damage can result in mold and mildew, which can have negative health effects on anyone residing on the property.

A property damage public adjuster can help you at any point in the water damage claims process – including helping you find a water damage restoration company. 

Rule 4
Have the water and moisture professionally cleaned and determine if you need to leave your home

FEMA reports mold and mildew can start growing as early as 24 hours after water exposure.

Citizens will pay for water remediation services at no expense to the insured homeowner if they are in the MRP program. The mold remediation can be completed by an outside vendor. 

If dangerous amounts of mold are found on your property, you will likely be informed that you and anyone else on the property should find somewhere else to stay while the mold is removed. For this reason, working with a public adjuster can help expedite the claims process. 

Rule 5
Always work with an experienced public adjuster who will fight for you. 

Public adjusters are your secret weapon against the insurance companies’ tactics to deny, delay, or underpay you for your claim. 

Our public adjusters deploy sophisticated and advanced tools to every inspection they complete to uncover damage that’s difficult to see with the naked eye. Everything we uncover during our inspection can be used to strengthen your damage claim, and we will use these when we negotiate for you to receive a higher payout for your claim. 

The insurance company wants to keep its profits high, and to do this means it will deny and underpay a claim when possible.  

Triumph Consulting Public Adjusters work for you and fight the insurance company on your behalf. 

Keep your property protected after a claim by getting a Triumph Consulting Public Adjuster to fight for you! 

Speak to one of our public adjusters today. Call 954-669-4935 now for a free claim review, or go to

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