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How Milwaukee Public Adjusters Protect Your Home From Summer Water Damage

Milwaukee public adjusters protecting you from summer water damage

While Wisconsin summers offer an escape from the extreme weather other parts of the nation experience, our state isn’t immune to storms that can cause serious damage to our properties.

Even the best blue-sky days can change into sudden, severe thunderstorms. These storms pack a punch, unleashing heavy rain that can swiftly lead to flash flooding that can lead to significant property damage. Wisconsin experiences several storms each year, and it’s crucial to be prepared.

By taking proactive steps to safeguard your home before the next downpour, you can minimize the risk of water damage and ensure your peace of mind throughout the summer season. Let’s discuss the types of water damage and how you can increase your water damage protection.

Milwaukee’s Most Common & Costly Water Damage Insurance Claims

Water damage claims are the most common kind of insurance claim Milwaukee public adjusters handle. Not only is it the most common, but it is also the most costly.

The reason water damage is so common is that water can find its way into the smallest crack or crevice. A false sense of security won’t keep it out. A single issue with your gutters, downspouts, sump pump, or even a seemingly minor plumbing leak can turn into a major headache – a flooded home.

Water damage is notoriously costly to repair because it takes a lot of time and effort to fully get rid of it and even after you do, you are stuck having to replace everything from carpet and drywall to other possessions that might be affected. On top of that, long-lasting problems like mold and mildew make it a problem you might be stuck with long after the flooding occurs.

All of this is why you need to take action now before you’re left filling a hefty insurance claim that might take months to resolve.

Is Water Damage Covered in Your Insurance Policy?

While most homeowners insurance policies offer some protection against water damage, it’s important to understand the specifics of your coverage. Knowing what’s covered can save you from unexpected financial burdens in the event of a water disaster.

Many homeowners mistakenly believe their insurance covers all water damage, but flood damage typically requires a separate policy. Standard homeowner’s insurance, however, can help with various water-related mishaps. For instance, if a storm (covered by your policy) damages your roof and rain pours in, the resulting water damage is likely covered. It’s always best to check your specific policy details with your insurer after any water damage event to confirm coverage.

Types Of Residential Water Damage

Wisconsin’s climate with distinct seasons can lead to various water damage threats for homeowners. Professionals categorize the severity of damage using a class system. Class 1 represents the least problematic and easiest to address, while Class 4 signifies the most extensive and expensive situations.

Here’s a breakdown of common types:

Plumbing Issues

Clean Water (Class 1): Caused by burst pipes, leaky faucets, or malfunctioning appliances. This is the least severe type, involving clean water sources. Typically this water damage can be easily remedied by calling a professional to fix the issue. If there is extensive water damage, you may need to file an insurance claim.

Appliance Malfunctions or Drainage Issues

Gray Water (Class 2): Gray water comes from appliances like washing machines or dishwashers. It may contain bacteria and requires professional cleaning and disinfection. Depending on the severity of the water damage, you may need to file an insurance claim.

Sewer Backups or Overflowing Toilets

Black Water (Class 3): This is the most hazardous type, containing sewage and posing significant health risks. It requires professional restoration and may involve removing contaminated materials. This type of water damage almost always requires an insurance claim.

Roof Leaks

Generally speaking, this type of water damage is less common but is still something that you need to keep your eye on in the summer months, especially if your roof is older.

Clean Water (Class 1): If a roof leak results in minimal water intrusion and affects building materials like drywall or insulation (considered clean materials), it might be classified as Class 1. These leaks are typically caught early and can be dried out relatively quickly.

Gray Water (Class 2): If the leak contaminates materials with bacteria or other contaminants, like overflowing toilets backing up into the attic, it could be considered Class 2. This situation requires more extensive cleaning and disinfection in addition to drying.

Roof leaks that are left unchecked can lead to big problems because not only can water get into the attic, but it continues to flow down into all the levels of your home including the ceilings and walls. If it goes unnoticed, you could be dealing with electrical issues, wood rot, damaged drywall, and possibly mold.

To prevent this, take some time each year to inspect your roof for leaks and replace any damaged shingles. Your rook should be replaced every 30 years or so, so check the date that your home was built and keep up with the schedule.

Basement Flooding

Perhaps the most costly and most common form of water damage in Wisconsin is basement flooding.

Clean Water (Class 1): If a basement flood involves clean water, like a broken pipe or a minor appliance overflow, it might be Class 1. However, the presence of sewage or the potential for mold growth due to prolonged dampness could elevate the classification.

Gray Water (Class 2): Basement flooding from sources like washing machines or dishwashers would likely be Class 2 due to the presence of gray water.

Black Water (Class 3): Sewage backups or overflows from rivers or lakes flooding the basement would be considered Class 3 due to the high level of contamination.

Preventing basement flooding comes down to maintenance and fixing problems quickly. It is important to replace your sump pump every 5-7 years to make sure you can move water away from the foundation of your home. Other things like making sure downspouts are clear, making sure your yard is graded away from your home, and keeping an eye out for any new cracks are all things you should do to keep that basement dry.

Other Forms Of Water Damage

While the roof and basement damage are the most common, there are a few other types of water damage to keep an eye out for:

  • Cement driveway cracks and unleveling
  • Garage flooding
  • Sewer and plumbing backups
  • Rusting
  • Hail damage

These forms of water damage are easily preventable, but should always be considered.

How Does a Public Adjuster Help With Water Damage Claims?

Knowing how to prevent water damage in Wisconsin is an important part of owning a home. While this type of damage is common, insurance companies make filing claims extremely difficult as they try to find ways to pay you as little as possible in your settlement.

If you experience water damage this summer, make sure you document or work with Milwaukee public adjusters so that you have as much evidence as possible to get a better settlement.

Get your FREE consultation today. Contact Fortitude Public Adjusters today to get the help you deserve with water damage claims. We can help take the stress out of your unfortunate situation.

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