Water damage public adjuster for denied or underpaid claims

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Who we help after water damage

We represent policyholders, never the insurance company, on water damage claims such as:

• Homeowners with a burst pipe, slab leak, broken supply line, toilet overflow, ice-maker line leak or roof leak
• Landlords and owners of multi-unit homes, including rentals where a tenant reports the leak
• Business and industrial property owners (see commercial claims and industrial claims)

We can help whether your claim is new, stalled, underpaid or already denied.

What our water damage clients say

Accurate Claims Consulting

5 Stars - Based on 37 User Reviews

Yelp Rating

5 Stars - Based on 6 User Reviews

We would have never received a fair settlement with our insurance company if it wasn’t for him.

Diane Klein, Google review (pipe burst)

It was night and day compared to the last time I dealt with insurance and worked with the adjuster myself.

Ryan Dale, Google review (pipe burst)

They took over the claim including all negotiations with the insurance company. I qualified for additional benefits that I did not know about.

rock roades, Google review (burst water line in a condo)

Read all of our reviews

Recent water damage claim results

• Kitchen ice-maker line leak, Los Angeles (August 2022). The insurance company was in the process of denying the claim for long-term damage. We secured a $246,021 settlement for the policyholders. Los Angeles kitchen leak case
• Toilet overflow, Culver City (July 2022). Mercury Insurance intended to deny this claim when the homeowner hired us. We secured a $136,841 settlement. Culver City toilet overflow case
• Slab leak, North Hollywood (February 2022). The insurance company gave the homeowners $3,000 for repairs. We secured an additional $110,000 for repairs, contents and additional living expenses. North Hollywood slab leak case

Insurer-side training, policyholder-side loyalty. Our public adjusters have worked for major insurance companies like Farmers, State Farm and Allstate, which gives them inside knowledge of what you are owed for your claim. Each has a Bachelor’s degree at minimum, and some are US military veterans. About Accurate Claims Consulting

How we handle a water damage claim

1. Inspect and document. We inspect the damage and record it with photos from day one, so the insurer sees the full extent of the loss.
2. Estimate the loss. We put a value on the repairs, your damaged contents and additional living expenses while your home is being repaired.
3. Review the policy. We read your policy and check what it covers, so nothing you are owed is left off the claim.
4. Negotiate. We handle the correspondence and negotiations with your insurance company, including a claim it has denied or intends to deny.
5. Settle. We work on a 100% contingency basis: you never come out of pocket, because we only get paid when your insurance company pays the claim.

What insurers dispute on water damage claims

Was the leak sudden, or long-term damage?

One way an insurer denies a water claim is by calling it a long-term leak. Three of the water claims on our recent projects page were denied or headed for denial on that basis: an ice-maker line leak in Los Angeles ($246,021 settlement), a burst toilet supply line at a vacation home in Los Angeles that we got covered for a $537,000 settlement, and a San Diego slab leak that we reopened after a denial and settled for $247,000.

Is the first offer the full value of the claim?

Often it is not. In a Beverly Hills home, a broken pipe under the kitchen cabinets caused water damage and mold; the insurance company offered $8,500 and we negotiated a $125,000 settlement. Our guide 8 steps to maximize your insurance claim explains why you should not accept a first offer before the loss is fully documented.

Does the claim cover more than the building?

A water claim can include your damaged belongings and additional living expenses, such as lodging while your home is under construction. Keep receipts and a list of what was damaged; our guide on building a personal property inventory shows how.

What if the insurer has already denied the claim?

A denial is not always the end. We review the decision, document the loss again and reopen the claim with your insurer, as we did on the San Diego slab leak. San Diego slab leak case

Licensing and where we work

In California, public adjusters are licensed by the California Department of Insurance, which also helps consumers with questions and complaints about a claim. In Arizona, insurance is regulated by the Arizona Department of Insurance and Financial Institutions.

Public Adjusters Services Areas

We also handle mold damage claims, fire damage claims, storm damage claims, earthquake damage claims, theft and vandalism claims and personal property claims.

Water damage claim questions