What Sill public adjusters look for in a water damage claim

Posted at Sep 24, 2020

DSC_0008Property damage comes in all forms and Sill Public Adjusters has over 90 years of experience handling any type of loss claim solely on behalf of insureds, and never for the insurance companies!

Water damage can happen during rain or snow, a plumbing mishap, or even an accident in the workplace. In certain cases, like a ruptured water line, or an accidental overflow from an appliance, the damage caused by water may be covered.

Generally, damage caused by a flood is not covered unless you’ve purchased additional flood insurance, as it is generally considered groundwater seepage.

Because of the complexity of claims resulting from damage caused by water, insureds need Sill to work on their behalf to support them in the insurance claim process. In a water damage loss, Sill takes action quickly to review our client’s current insurance policy and evaluate it against the cause of the damage to determine if the damage should be covered by the policy.

Our adjusters then conduct a thorough physical examination of the property, often side by side with the insurance carrier adjuster, to attempt to come to an agreement of the scope of the loss. 

Following that, our trained and experienced building estimators and contents appraisers document, in the minutest of detail, using industry prescribed software, the damages to the structure and personal or business personal property to utilize in reaching the best possible settlement for each of our clients.

We have handled all types from fire to water, including many where highly sophisticated manufacturing equipment to simpler office furniture inventorying is necessary. Sill helped these businesses determine the extent of the damage and in many cases helped establish the case for complete replacement of these critical components of a business.

Our team will communicate directly with your insurance adjuster on your behalf, taking the entire burden of managing the claim off your shoulders. That will enable you to focus 100% of your efforts on maintaining your customers and getting your business up and running faster. 

Every industry carries with it its own terminology and lingo. Without professional guidance from Sill, you may even have a difficult time understanding the terminology when your insurance company says “No” to repairing or replacing an item.

If applicable in a commercial setting, our forensic accountants will step in and calculate lost business revenue due to the damage to your business. Recovery of physical damage alone will not enable your business to move forward. Imagine receiving no revenues for an extended period of time. Could you remain in business? With Sill’s help, recouping lost business income may be the difference between surviving in business or not.

Sill Company is the nation’s leading public adjusting firm, always working exclusively for the policyholder and never the insurance company, with its primary charges of taking the burden of handling your insurance claim off of your shoulders while maximizing your claim, in order to allow you to get your business back up and running as quickly as possible.

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Sillco

Written by Sillco

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