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Water Damage Insurance Claims
Burst pipe, slab leak or water heater claim denied or underpaid? Call us before you accept their answer.
Our licensed public adjusters handle claims for homes and businesses.
Stuart Hymson
Public Adjuster
Michael Zebold
Public Adjuster
Micaela Villa
Public Adjuster
Alex Barquero
Public Adjuster
Arthur Camayd
Public Adjuster
Tony Azcue
Public Adjuster
Frank Nunez
Public Adjuster
Water damage claim denied or underpaid?
With water damage, the cause decides everything. A sudden pipe break is usually covered. A slow leak, wear and tear or poor upkeep usually isn’t, and insurers reach for those first.
Our licensed public adjusters find where the water came from and how far it went, inside walls and under floors, and build the claim for all of it: the tear-out to reach the leak, the drying and the repairs. The first review is free.
Sound familiar?
- They said it was a slow leak, not sudden.
- They called the pipe wear and tear.
- They'll pay for the floor, not the tear-out.
- Their adjuster missed the water inside the walls.
- They paid for the leak but not the mold.
A denial over the cause can often be turned around. Call us before you accept it.
What the insurance company says about water damage
Water claims are won or lost on the cause. Here’s how we answer the insurer’s lines.
“It's been leaking for a long time.”
Many policies exclude water that seeps out slowly over time, so insurers reach for it first. We trace the leak to its source and document how it failed, because a pipe that breaks all at once is a different claim from one that dripped for months.
“The pipe itself isn't covered.”
Often true, and only half the answer. Many policies that won’t pay to fix the pipe still cover the water damage it caused and the cost of opening walls, floors or a slab to reach it. We make sure that part is in the claim.
“It's wear and tear on old plumbing.”
Old pipes, cast iron drains and water heaters do wear out. The water damage a sudden failure causes is a separate question, and we document the break and everything it ruined, so the claim isn’t decided on the age of the pipe alone.
“We only saw damage in one room.”
Water travels. It wicks up walls, runs under flooring and soaks cabinets and subfloors in the next room. We map how far it spread with moisture readings, so the estimate covers every room it reached.
Fighting for the policyholder
Blueprint Claims has settled over half a billion dollars in commercial and residential claims with 15 years in business. Don’t settle for less, get the money you deserve. Fight for your claim!
Private Equity Firm
Apartment complex
Residential Homeowner
Cast iron pipe claim
Nashville, TN Homeowner
Insurance offered $2,318
Avondale Estates, GA Homeowner
Insurance offered $3,383
Does homeowners insurance cover a burst pipe or plumbing leak?
Usually, when the water came out suddenly: a burst supply line, a failed water heater, a broken drain or an AC line that let go. Most homeowners policies cover the water damage, and many also pay to open walls or floors to reach the leak. What they exclude is damage that built up slowly, rot and mold from a long leak, and often the cost of fixing the pipe itself.
That’s why the facts of the leak matter. Call us before the plumber closes the wall, so the cause is documented while it can still be seen.
Sudden water damage
Tear-out to reach the leak
Every room it reached
Slab leaks, cast iron pipes and frozen pipes
A leak under the slab or a cracked cast iron drain stays hidden until the floor buckles or the water bill jumps. Insurers often call these wear and tear, and many policies won’t pay to replace the pipe. The damage the leak caused, and the cost of breaking into the slab or floor to reach it, is often a different story.
Frozen pipes are similar. Most policies cover water damage from a pipe that froze and burst, but many exclude it when the home was left unheated. Insurers check that first, so call us before you give them a recorded statement.
Where the pipe failed
Slab and floor access
Flooring replacement
Is flood covered by homeowners insurance?
Usually not. A standard homeowners policy excludes flood: rising water, storm surge and surface water that flows in at ground level. That goes to a separate flood policy, which has its own rules and its own short deadline for a signed proof of loss.
Water that comes in from above is a different claim. Rain through a roof opened by wind, or a pipe that bursts inside the house, usually goes to your homeowners policy even during a storm. Many homes have both claims at once, so call us before you accept either answer.
Flood policy
Homeowners policy
Both claims at once
The contractor's edge
Arthur Camayd, partner, is a licensed public adjuster with the SPPA designation, a licensed general contractor, and holds a degree in architecture.
We know how buildings are designed, how they are built, and how to spot the damage most people miss. On complex claims like fires with structural damage or hidden issues, that construction insight and policy knowledge lets us build a stronger claim and challenge a low offer with real authority.
Licensed general contractor
Degree in architecture
SPPA public adjuster
We don’t just estimate. We advocate.
How we handle your claim
Four steps, from the first call to the settlement check.
Free claim consultation
Tell us about your claim. We’re here to help.
Free property inspection
Leaving no stone unturned, we focus on the details.
We estimate & appraise
Don’t worry about having to gather various repair bids on your own.
We negotiate & settle
We don’t get paid unless you get paid.
What to know about a water damage claim
Waiting to see what the insurance company does is how good claims run out of time.
Water spreads farther than they look
The adjuster the insurance company sends works for them, and the first estimate often stops at the stain they can see. Have us check how far the water really went before you settle for it.
A denial isn't the last word
Insurance companies often deny claims as wear and tear, old damage or not covered. That letter is their side of the story, not the final word. The right proof can change it, but the window to act is short. Call us before you take no for an answer.
Once the wall is closed, it's hard to prove
Stop the water and start drying, but take photos and video before anything is torn out or thrown away, and keep the failed pipe or part. Once it’s gone, it’s your word against the insurance company’s. Call us first, and we’ll document it the right way.
Don’t wait to see what they do. Call today and let a licensed public adjuster review your options while you still have them. Your policy review is free.
Other claims we handle
General information, not legal advice.
Why hire your own public adjuster?
Every claim already has an adjuster. The insurance company’s adjuster works for the insurance company. A public adjuster works for you.
A guide through the entire claim process.
Help you understand your rights under the policy.
Navigating through policy endorsements and exclusions.
Document your damages in detail.
Estimating & valuing the TRUE cost of your loss.
Collaboration with experts to support your claim.
Negotiating & settling your claim.
Working with contractors to get you back to pre-loss condition.
Hiring your own adjuster pays for itself.
Meet the adjusters
“Our adjusters know how buildings are built, how policies are written, and how to get a claim to the finish line.”
Michael Zebold, SPPA
Firm Partner
Michael Zebold
Senior Public Adjuster
Arthur Camayd
Senior Public Adjuster
Tony Azcue
Public Adjuster
Frank Nunez
Senior Public Adjuster
See what our clients are saying
“Blueprint Claims did an excellent job. They are the ultimate professionals. After my initial meeting with Alex, he took care of everything.”
D K
“Impeccable work and very effective, from first inspection review to the last step”
Margarita Gomez
“Frank worked for us, not the insurance company, and kept us informed along the way, which was also very helpful.”
Tom Maides
“Frank Nunez was extremely helpful in getting my claim overturned from a complete denial to a fully paid for roof.”
Ben Justice
Questions about water damage claims
Answers to the questions homeowners ask us most about leaks and water damage.
My insurer says it was a long-term leak. Can you still help?
Often, yes. Insurers deny many water claims as slow leaks, seepage or wear and tear. We find where the leak started and how it failed, read the denial against your policy, and build the proof to turn it around. Call us before you accept it.
Water came into my condo from the unit above. Who pays?
Each policy will point at the others: the association's, your neighbor's and yours. Don't wait for them to sort it out. The damage inside your unit is often a claim on your own condo policy, and we handle that claim. Call us before you accept a no.
My water heater burst. Is that covered?
Usually the water damage is, even when the water heater itself isn't. Insurers sometimes argue the tank leaked slowly for weeks before anyone noticed. Keep the old tank, take photos before it's hauled away, and call us before the cleanup is finished.
My AC leaked and ruined the ceiling and floors. Is that covered?
Often, when the leak was sudden: a clogged drain line that overflowed, a cracked pan or a line that came loose. Insurers push back when it looks like a slow drip. We document what failed and what the water reached, so the claim covers the ceiling, walls and floors, not just the stain. Call us for a free review.
A frozen pipe burst. Is that covered?
Usually. Most policies cover water damage from a pipe that froze and burst, and insurers look hard at whether the home was heated. Call us before you give the insurer a recorded statement.
Does insurance cover mold from a leak?
Often, when the mold came from a covered leak. Insurers often pay for the water damage and deny the mold, so we document the leak and the mold together as one loss. Read more on our mold damage page, or call us for a free review.
How much does a public adjuster charge?
You pay nothing upfront, and if we don't recover money, you owe us nothing. Our fee is a percentage of what we recover for you, set in writing before you sign, and never more than your state's law allows. Call, and we'll walk you through how it works on your claim.
Should I call my insurance company or a public adjuster first?
Call us before you call them. What you say on that first call can hurt your claim, and most policyholders don't know which words give the insurance company a reason to pay less or deny. We'll help you report it the right way, so call as soon as you find the damage.
My insurer already paid, but not enough. Is it too late to hire you?
You can hire us before you file, in the middle of a claim, or after the insurer pays too little. Many of the nearly 7,000 claims we've handled started just like yours. Don't sit on a low check, though: the deadlines to ask for more keep running. Call us now, while you still have time.
Call and a licensed adjuster will go over your claim with you. The review is free.
Connect with one of our licensed adjusters for a free claim consultation
What happens after you send this
A licensed adjuster contacts you We talk through your claim and answer your questions. The consultation is free.
We review your policy and inspect the damage Also free, with no obligation to hire us.
You decide whether to hire us If you do, we build the claim and negotiate with the insurer.
Let's discuss your claim!
We don’t get paid unless you get paid.
