Tub or toilet overflow can lead to grey water (I.e. water containing organic matter, such as hair follicles or skin cells) or even black water (I.e. water containing urine and fecal matter) entering and contaminating the home, and it can even lead to extensive water or mold damage if not resolved within a timely manner.
How Toilets and Tubs Can Get Damaged
There are many ways to damage a bathtub or toilet, from problems with water lines to dropped items, to cracks and scratches, allowing mildew and mold to form over time. Earthquakes or windstorms can cause damage to the exterior of the home that could affect the bathroom, and renovations can damage the sub-floor and walls in ways that can make replacing the bathtub or toilet necessary. Serious storms and flooding can also cause storm water and sewage to enter your home through these fixtures. Your homeowner’s insurance may be able to help pay for repair and property replacement in your home if you know how to work with them. However, few homeowners are familiar with how to document damage and present it to the insurance company, nor are they equipped to pinpoint the cause of the leak all by themselves. It’s not uncommon for us to receive calls from homeowners telling us that their bathtub or toilet is overflowing, and their claim is being denied by the insurance carrier. Thankfully, this is where public adjusters can help. At Alliance Public Adjusters, we take the frustration out of your hands.
Many people assume that the claims adjuster assigned to their case by the insurance company is there to negotiate a fair settlement. While this is true on the surface, it’s important to remember that the claims adjuster is really an employee of the insurance company; their primary goal is to protect the insurance company’s interests. They have professional experience with your policy, how to inspect for damage, and how to reach a settlement. Homeowners, meanwhile, might make a claim against their insurance just two or three times in their lives, creating an unfair situation for the insured.
How a Toilet / Tub Overflow Public Adjuster Can Help You
Having a professional in your corner can help you get a settlement that covers any repairs or replacements that are needed. Public adjusters know how to speak to insurance companies, document damages, and calculate values in ways that get you the settlement you deserve. Moreover, when it comes to toilet or bathtub overflow, public adjusters also have the necessary familiarity with damages to look at not just what is visible, but what could be a problem down the road.
When you work with Alliance Public Adjusters, we will meet you at your site and go over the damages with you. We will document the problems and work with your insurance company to find the appropriate settlement for you. Our goal is to take the frustration and irritation of communicating with the insurance company out of your hands so that you can get back to rebuilding your life after serious damages. We may also be able to reduce the time it takes for your settlement to be paid out, since we have more experience giving insurance carriers the documentation they need to proceed.
Don’t try to get a settlement on your own; when you’ve experienced property damage form a bathtub or toilet leak, let Alliance Public Adjusters help you get the amount you deserve for your claim. Based in Los Angeles, but serving the entire state of California, we are ready to help you negotiate your claims and get the most out of your policy. Contact us today to learn more about how we can help you get back to your day to day life.