We serve Pennsylvania, New Jersey, Delaware, and Maryland. Our public adjusting work focuses on the cause of the reported loss, the areas affected, and the policy terms that may apply. We help present supported claim information and address questions with the insurance company under a written agreement.
Identify where the water came from
The source of water matters. A sudden pipe failure, an appliance leak, a sewer backup, and rising floodwater may be treated differently by insurance policies. A wet floor alone does not show which coverage applies.
We review records about the source and timing of the damage. These may include a plumber's findings, photographs, maintenance records, or notes from the day the problem was discovered. The goal is an accurate account of what happened, including facts that need further review.
Document each affected area
Water can affect several materials in the same room. A record identifies what became wet, where damage was found, and what work was performed. Detailed descriptions help connect an estimate to the property rather than relying on a total price alone.
Helpful information may include:
- Photographs taken when the damage was discovered.
- Notes identifying affected rooms and materials.
- Reports from plumbers or qualified restoration providers.
- Drying records and emergency service invoices.
- Lists of damaged furniture, belongings, or equipment.
- Earlier photographs showing the property's condition.
Keep dates and descriptions with your records whenever possible.
Review what the policy provides
Many homeowners policies cover certain sudden and accidental plumbing losses, but coverage is not automatic. Policy conditions, exclusions, and the facts matter. Ongoing leaks, maintenance issues, sewer backups, and floods may raise different questions or require added coverage.
We review the relevant wording and help explain the information needed to evaluate the claim. We also review estimates and supporting records when there are questions about affected areas or repair work. Any request for a revised payment must be tied to the damage and policy.
Limit further damage when safe
Protect people first. If water is still entering the property, get qualified help to address the source and urgent hazards. Do not enter standing water near electrical equipment. Notify your insurer promptly and follow safe instructions for reasonable steps to protect the property.
Keep receipts for emergency services. Do not postpone necessary protection work while waiting for an adjusting consultation. Ask the insurer about preserving evidence when damaged materials need to be removed.
Discuss your water damage claim
Whether the loss is recent or an estimate has already arrived, Wheeler can discuss the records and questions involved. We explain proposed services and fees before representation begins.
Call 610-361-9704 or email info@wheeleradjustment.com. Share the property state, the source of the water if known, and the status of your claim. We can then discuss how our services may help.