Water has a unique property—it expands as it freezes. When this occurs in a pipe, the pressure buildup caused by the expanding water may result in a burst pipe and subsequent water damage. The Insurance Information Institute states that winter storm-related damage costs U.S. residents about $1.25 billion each year. If your business suffers water damage from a burst pipe, you may face losses of $6,000 or more.

When Frozen Pipes Burst

The chances of your commercial insurance company covering the water damage caused by a burst pipe depend on your policy. A policy may only cover certain types of water damage or damage caused by specific circumstances. Alternatively, it may not offer any coverage at all.

When you experience water damage from a frozen pipe, turn off the main water valve and call a public insurance adjuster. The public adjuster will review the insurance policy with you so you understand what it covers. The professional will also help you file a claim, document your losses and, if necessary, contact a water damage remediation specialist.

Water Damage & a Public Insurance Adjuster’s Role

Insurance companies have adjusters working for them. You have the right to hire a public adjuster to advocate for your company, too. At Commercial Claim Pro, our public adjusters work on your behalf to make the claims and recovery process simpler, and negotiate with the insurance company to maximize your benefits.

When a frozen pipe causes water damage, your public insurance adjuster will:

  • File claims-related paperwork on your behalf.
  • Prove that an undetected leak didn’t cause the damage.
  • Prove that negligence didn’t cause the leak, if applicable.
  • Document and inventory damaged property.
  • Calculate business losses.
  • Hire a reputable restoration company that will agree to stipulate that its invoices are subject to client agreement and approval by the insurance company.

One of the last things you want to do during the winter is deal with water damage. Let a public insurance agent from Commercial Claim Pro do the heavy lifting so you can focus on business continuity. Give us a call today to learn how we can maximize your claim.