If your home has suffered water or flood damage in Aliso Viejo, it’s important that you file a homeowners insurance claim right away. But before you do, you’ll want to make sure that you have the right people working in your best interests to get your claim resolved quickly. Here’s what to do:
Flood Damage in Aliso Viejo May Not Be Covered by Insurance
Many types of homeowners insurance will cover water damage, but they don’t cover flood damage. Why is that? You may be surprised to learn that the number of people who would be willing to pay for flood insurance coverage don’t pay enough with their premiums to cover the amount of money that needs to be paid out for claims.
So it’s not a case of there being a lack of people living in flood-prone areas who aren’t willing to pay for it, but just that the claims would be far too large to justify the cost. And then you have people who live in areas like Aliso Viejo that aren’t particularly flood prone, who don’t want to pay for flood insurance — until it happens to them.
With that in mind, what can you do if you are dealing with the after effects of flood damage or water damage in Aliso Viejo?
You Insurance Company Will Drag Their Feet on Your Claim
The problem with water damage and flood damage claims paid by insurance companies is that they often have to send assessors out to determine the extent of the damage and organize the claims. And believe it or not, insurance companies are in the business to make money — which they do by paying out as little as possible for claims.
Even if you’ve already filed a claim for water damage or flood damage in Aliso Viejo, don’t expect that the insurance company will give you fair remuneration for the damages. You’ll likely need to take the next step to get them to take your claim more seriously, which is:
Work With a Public Adjuster in Aliso Viejo
A public adjuster works with homeowners to keep insurance companies accountable and works to resolve claims quickly, fairly and expeditiously. If your homeowners insurance company has been stalling or dragging their feet paying your water damage claim in Aliso Viejo, you can feel confident that a public adjuster will step in and be your voice — filing all the necessary paperwork and working hard to ensure your complete satisfaction.
Fortunately, by filling out the simple form to the right or calling 818-720-2366, you can speak with a trained, experienced public adjuster in Aliso Viejo who has worked on homeowners insurance claims for water damage, flood damage and much more. Let us know more details about the incident in question and one of our friendly, helpful Aliso Viejo public adjusters will speak with you to explore all your options and help get your flood damage or water damage claim resolved quickly.