Need Help With Water Damage Claims? Norcal is Here!

Email

This field is for validation purposes and should be left unchanged.

Your Name(Required)

Email(Required)

Phone(Required)

Describe Your Claim(Required)

Uncovering the Hidden Dangers of Water Damage

What you see on the surface is often just the beginning. Water quickly seeps into floors, behind walls, and into ceilings, creating the perfect environment for mold growth and structural rot that may not be immediately visible. Our licensed adjusters use specialized equipment and expertise to identify all affected areas. We document everything, including:

• Source and Cause Investigation: Properly identifying the origin of the water is critical to your claim’s success.
• Hidden Moisture Detection: Using thermal imaging and moisture meters to find all trapped water in structural components.
• Mold and Microbial Growth: Assessing for and including the costs of necessary remediation in your claim.
• Damaged Personal & Business Property: Creating a comprehensive inventory of all contents that need to be repaired or replaced.
• Loss of Use / Business Interruption: Ensuring you are compensated for temporary relocation or lost income while your property is being repaired.

We Manage Your Claim from Start to Finish

Dealing with a water-logged property is stressful enough. We take the entire burden of the claims process off your shoulders so you can focus on getting things back to normal.

1. Immediate Policy Review: We analyze your insurance policy to determine your exact coverages, limitations, and the best strategy for your claim.
2. Meticulous Documentation: We create a detailed claim package with photos, videos, expert reports, and precise estimates that your insurance company can’t ignore.
3. Direct Negotiation: We handle all meetings, phone calls, and correspondence with the insurance company, presenting your claim professionally and aggressively negotiating for a fair settlement.
4. Ensuring Proper Repairs: We make sure the settlement is sufficient to cover the correct method of repair, not just the cheapest and fastest patch job the insurance company might offer.

Don’t Let Your Insurer Minimize Your Loss

Insurance companies often try to limit water damage payouts by arguing that damage is pre-existing, caused by a non-covered event, or by recommending inadequate repairs that lead to future problems like mold. Having Norcal Public Adjusters on your side from the beginning levels the playing field and protects the value of your property.

Contact Us Immediately – Time is Critical

With water damage, every hour counts. The faster you act, the more damage you can prevent. Contact Norcal Public Adjusters as soon as you discover a leak for a free, no-obligation consultation and damage assessment.

Company

This field is for validation purposes and should be left unchanged.

Your Name(Required)

Email(Required)

Phone(Required)

Describe Your Claim(Required)

Frequently Asked Questions About Water Damage Claims to Public Adjusters

What is the first thing I should do when I discover water damage?

First, if you can do so safely, stop the source of the water. Then, call a professional water mitigation company to begin the drying process. Finally, call us at Norcal Public Adjusters immediately. Contacting us early allows us to advise you and manage the claim from the very beginning.

What is the difference between “water damage” and “flood damage”?

This is a critical distinction. In insurance terms, “flood damage” typically refers to water from a natural, rising source (like a river or lake overflowing). This requires a separate flood insurance policy. “Water damage” typically refers to water from internal sources, like a burst pipe or appliance failure, which is covered by most standard property insurance policies. We can help you determine what your policy covers.

My insurance company wants me to use their “preferred vendor.” Do I have to?

No. As the policyholder, you have the right to choose your own contractor. We can help you find a reputable contractor and ensure that the scope of work they are paid for is complete and accurate, covering all necessary repairs to bring your property back to its pre-loss condition.

Will my insurance policy cover mold removal?

Mold coverage can be very limited or even excluded in some policies. However, a successful claim often hinges on arguing that the mold is a direct result of a covered water damage event. We work to maximize any and all available coverage under your policy to ensure the mold issue is properly and safely resolved.