Water Damage Claims Carriers Love to Dispute. We Don’t Let Them.
What Every Water Damage Claim Includes.
Full Property Inspection
Your adjuster inspects the affected areas point by point. Every visible and hidden source of damage is identified, including damage the carrier’s adjuster commonly overlooks.
Professional Damage Documentation
Photos, measurements, material specifications, and a detailed scope report built in the format insurance carriers are required to review. The documentation determines the settlement. We make sure it tells the complete story.
Carrier Communication and Negotiation
Select Adjusters submits the documentation, responds to the carrier’s adjuster findings, handles all communication, and negotiates directly on your behalf. You don’t make the calls. You don’t decode the policy. We handle it.
Re-Inspection Coordination
When the insurance company sends their adjuster for a second look, your Select Adjusters adjuster is present. We walk the property with them, ensure every documented point is reviewed, and don’t let damage get dismissed on a quick walkthrough.
Supplemental Claims
If the carrier’s initial estimate is too low, we file a supplemental claim with additional documentation and evidence. Many settlements increase significantly after a properly documented supplement is submitted.
Settlement Review
Before you accept anything, your adjuster reviews the final settlement against the documented scope. If the numbers don’t match the damage, we push back. You never accept less than your policy covers.
Real Water Damage Claim Results From Arizona Homeowners.
Every result is from a Select Adjusters client in the Phoenix Valley.
Sudden vs. Gradual Classification
Before
Insurance Company’s Decision: Denied. Carrier classified the damage as "gradual leak" not covered under the policy.
After
Inspection and documentation proved the damage resulted from a sudden supply line failure. Denial reversed. Claim approved at $11,400.
Hidden Subfloor Damage
Before
Insurance Company’s Offer: $4,200. Covered visible flooring only. Denied subfloor and structural damage.
After
Moisture mapping documented full extent of saturation including subfloor and wall cavities. Supplemental claim filed. Settlement increased to $13,800.
Mold from Water Damage
Before
Insurance Company’s Offer: $6,500. Excluded mold remediation as "secondary."
After
Mold documented as direct result of the original water damage. Coverage extended to include remediation. Settlement increased to $14,900.
What This Looks Like for You.
You’ll Know What Your Claim Is Worth.
Your adjuster inspects the damage, documents everything, and tells you what the claim should be valued at based on the real scope of work. Not the insurance company’s estimate. The real number. You’ll know exactly where you stand before we file anything.
You’ll Never Have to Call Your Insurance Company Again.
Once Select Adjusters takes on your claim, we handle every interaction with your carrier. Every phone call. Every email. Every document submission. Every dispute. You stay informed. We handle the fight.
You’ll Only Pay If We Get You More.
Contingency means contingency. If we don’t increase your settlement, you owe us zero. No exceptions. No fine print. No "administrative fees." The risk is entirely on us. That’s how confident we are in what we do.