There are three main reasons why water damage claims get underpaid. First, adjusters hired by your insurance company work for them. They are incentivized to underestimate your damages so they can reduce claim payouts.
Second, water can cause damage that is extremely subtle and hidden from plain sight and the homeowner does not realize how extensive the damage is and they don’t have an experienced person on their side to help them fully identify the damage.
Third, the claims process is complicated and can be intimidating and most homeowners navigate it alone. There are many dizzying steps all of which are laced with obstacles and traps that could jeopardize your claim at any moment. Continue reading