Spring and Summer Storms: How to Protect Your Home from Water Damage

As spring and summer approach, property owners must prepare for the seasonal challenges that come with rising temperatures. While many focus on external threats like high winds and severe storms, internal water damage remains a major risk. Issues such as burst pipes, HVAC leaks, and appliance malfunctions can lead to extensive structural damage and costly repairs. Worse yet, insurance carriers often misclassify water damage to reduce or deny payouts, leaving policyholders to foot the bill.

Understanding how to prevent internal water damage and navigate the claims process can save property owners thousands of dollars. Let’s explore effective strategies for protecting your property, the common tactics insurance companies use to deny claims, and the critical role public insurance adjusters play in securing fair compensation.

CONTACT US NOW!

Identifying Common Sources of Internal Water Damage

Water damage isn’t always the result of heavy rains or storm surges. In many cases, the most severe losses stem from within a building. The most common culprits include:

• Burst Pipes: Temperature fluctuations and aging plumbing systems can cause pipes to crack or burst, leading to extensive water damage.
• HVAC System Leaks: Poor maintenance or clogged drainage lines can cause HVAC units to leak, leading to microbial contamination and property damage.
• Appliance Malfunctions: Dishwashers, washing machines, and water heaters are prone to leaks and failures, especially in older buildings.
• Roof and Window Leaks: Even minor gaps in roofing materials or window seals can allow moisture intrusion, resulting in long-term structural damage.

Understanding these risks is the first step in preventing major losses. Regular maintenance and early detection can help mitigate the damage before it becomes a costly disaster.

Proactive Steps to Prevent Water Damage

While insurance coverage is essential, prevention is the best defense against internal water damage. Property owners should implement these proactive strategies:

• Routine Plumbing Inspections: A licensed professional should inspect your plumbing system annually to identify and address potential leaks or weaknesses.
• HVAC System Maintenance: Regularly clean and inspect HVAC drainage lines to prevent clogs and leaks.
• Monitor Indoor Humidity Levels: Excessive moisture can contribute to microbial growth and structural damage. Maintain indoor humidity between 30-50%.
• Upgrade Old Appliances: Aging water heaters, dishwashers, and washing machines should be replaced before they become a liability.
• Seal Roof and Window Gaps: Ensure your property’s exterior is properly sealed to prevent moisture intrusion.

By taking these steps, property owners can significantly reduce the likelihood of costly water damage and subsequent disputes with insurance companies.

How Insurance Carriers Misclassify Water Damage

Even with the best preventive measures in place, water damage incidents still occur. Unfortunately, many policyholders find themselves battling insurance carriers over coverage. Insurers commonly misclassify water damage claims to limit their payouts. Some of the most frequent tactics include:

• Labeling Damage as Gradual Wear and Tear: Many insurers argue that damage resulted from a lack of maintenance rather than a sudden and accidental event, which is often required for coverage.
• Distinguishing Between Water Intrusion Types: Some policies differentiate between types of water damage, with certain classifications receiving lower or no coverage.
• Undervaluing Restoration Costs: Insurers may estimate repair costs far below the actual amount required, leaving property owners with significant out-of-pocket expenses.

According to studies, insurance companies frequently underpay claims by citing policy loopholes or ambiguous wording. Policyholders must thoroughly review their coverage and be prepared to challenge unfair claim denials.

What to Do After a Water Damage Incident

After discovering water damage, property owners should act quickly to mitigate further loss and strengthen their insurance claim. Follow these essential steps:

1. Document the Damage: Take clear photos and videos of all affected areas. Include timestamps and detailed descriptions of the damage.
2. Prevent Further Damage: If safe to do so, shut off the water source, dry affected areas, and remove valuable items from harm’s way.
3. Report the Incident Promptly: Notify your insurance provider as soon as possible. Be prepared to provide documentation and a detailed account of the event.
4. Consult a Public Insurance Adjuster: Since insurers often undervalue claims, hiring a public insurance adjuster can help ensure you receive a fair settlement.
5. Request a Detailed Estimate: Obtain an independent assessment of the repair costs to compare with the insurer’s offer.

The Role of Public Insurance Adjusters

Insurance companies prioritize their bottom line, often at the expense of policyholders. That’s where public insurance adjusters come in. Unlike insurance company adjusters, public adjusters work exclusively for policyholders, advocating for fair claim settlements.

The National Association of Public Insurance Adjusters (NAPIA) and the American Policyholders Association (APA) both highlight the benefits of hiring a public adjuster when dealing with property damage claims. Studies show that policyholders who use a public adjuster receive significantly higher payouts than those who rely solely on their insurer’s assessment.

Protect Your Property and Your Rights

Water damage is a major concern for property owners, especially during spring and summer when risks increase. By taking preventive measures, understanding insurance tactics, and seeking expert guidance, policyholders can protect themselves from financial losses.

Don’t wait until you’re facing an uphill battle with your insurance company. Schedule a call for a free claim and policy review with Velocity Public Insurance Adjusters today.

Our team is IICRC-certified in Water Damage, Structural Drying, Fire Damage, and Smoke Damage, ensuring you have the expertise needed to navigate the claims process effectively.