Water Damage Claims
Water damage can strike fast—and spread even faster. At Valor Claims Solutions, we specialize in uncovering the full extent of water-related losses and negotiating with your insurance carrier to ensure nothing is missed and everything is paid for.
What Water Damage Really Looks Like
Water damage can result from pipe breaks, appliance leaks, overflowing drains, roof penetration, or hidden seepage. It often affects multiple layers of a structure—damaging drywall, flooring, cabinetry, insulation, and framing. Left untreated, it can lead to mold, rot, and structural instability. Even when the surface looks dry, the hidden damage beneath can be significant and costly to repair.
Why Water Claims are Often Underpaid
Insurers commonly downplay the scope of damage, arguing it’s cosmetic or caused by long-term leaks rather than a sudden event. These tactics result in low estimates that fail to cover the true cost of mitigation, repair, and replacement.
Hidden Moisture Damage Ignored
Damage behind walls, under floors, or inside ceilings is often excluded when adjusters rely only on surface-level inspections.
Mold Remediation Limited or Denied
Carriers frequently reject mold-related costs, even when mold directly results from a covered water loss.
Incomplete Dry-Out or Repair Scope
Estimates often exclude critical steps like proper demolition, moisture mapping, or drying equipment—resulting in future problems and unpaid contractor bills.
Policy Language Misused
Insurers may attempt to deny claims based on exclusions like “long-term seepage or leakage” even when the cause was sudden and accidental.
Our Water Claim Process
Water damage doesn’t stop at the surface—and neither do we. Our claim process is built to find, document, and fight for every hidden detail your carrier might miss or deny.
Moisture Inspection & Photo Documentation
We assess all affected areas using photos, moisture readings, and documentation to prove both visible and hidden damage.
Scope & Estimate Development
A detailed estimate is prepared to include mitigation, demolition, structural repair, and any necessary code upgrades.
Submission & Carrier Negotiation
We present the claim and negotiate directly with the adjuster to challenge low estimates and misused policy exclusions.
Settlement Support & Finalization
We walk you through the final payout, ensuring you’re fully compensated for the loss and not left with out-of-pocket surprises.
Is Your Insurance Company All Dried Up When It’s Time to Pay?
Water spreads quickly—and insurance companies are quick to underpay. Let us document the real damage and fight for a full settlement on your behalf.