Water damage is one of the most frequent and costly types of property damage homeowners face. Whether caused by burst pipes, sewage overflow, appliance malfunctions, or storm damage, water can quickly destroy flooring, walls, ceilings, personal belongings, and the structural integrity of your home.
Left unaddressed, water damage leads to mold growth, which poses serious health risks and can significantly increase the cost of remediation. Insurance companies often try to minimize water damage claims by disputing the cause or scope of the damage.
ACI Adjustment Group works with restoration specialists and licensed engineers to thoroughly document your water damage, identify all affected areas — including hidden moisture behind walls and under flooring — and negotiate with your insurance carrier for a fair and complete settlement.
Most homeowner policies cover water damage that is sudden and accidental, such as burst pipes, sudden plumbing failures, and weather-related water intrusion from storms. Coverage typically includes structural repairs, damaged personal property, and necessary remediation like drying and mold prevention. Your ACI public adjuster will review your specific policy to maximize your covered benefits.
Standard homeowner policies generally exclude flood damage (requiring a separate flood policy), groundwater seepage, and damage resulting from deferred maintenance or neglect — such as a slow leak you failed to repair. Sewer backup may also be excluded unless you have a specific endorsement. ACI will help you understand your exclusions and identify any additional coverages you may have.
Sump pump failure is not covered under a standard homeowner's policy. However, many insurers offer a sump pump or water backup endorsement that can be added to your policy. If you have this endorsement, damage caused by sump pump overflow or failure may be covered. ACI will review your policy to determine if this coverage applies to your claim.
Mold that develops as a direct result of a covered water damage event is typically covered under your policy. However, insurance companies often try to limit mold claims or argue that the mold was pre-existing. Prompt action and thorough documentation are critical. ACI's team will ensure mold damage is properly documented and included as part of your water damage claim.
Call ACI Adjustment Group at 1-800-809-4302 for a free consultation and inspection. Our licensed public adjusters will assess all water damage, identify the source, review your insurance policy, and handle the entire claims process — from documentation and filing through negotiation and settlement.