Water Damage

Water Damage Property Insurance Claim

When it comes to water damage, insurance companies and their preferred contractors often underestimate the full scope of destruction. They may also downplay the risks associated with contaminated water to cut costs on your insurance claim. 

At Fortitude Public Adjusters, we’re experts in assessing the true extent and costs of all types of water damage insurance claims. We recognize the significance of your home or business and prioritize expediting the claim process. Our goal is to maximize your compensation and swiftly restore your property to operational status.

Public Adjuster

How We Help

We value your well-being. This way you can worry about taking care of your family and regaining stability without missing a beat in the insurance claim process.

After such a distressing loss, the last thing you need is the lengthy and tiresome process of filing a claim with your insurance company. As a reputable, licensed water damage public adjusting firm, here are some ways we help with the claims process:

Initial Assessment

We conduct a thorough evaluation of the water damage to your property, including structural damage, contents affected, and potential loss of use.

Policy Review

We will review your insurance policy to understand the coverage and limitations relevant to your water damage claim.

Precise Documentation

We will help gather all necessary documentation to support your claim, including photos, videos, receipts, and any other relevant evidence of the damage.

Negotiation with Insurer

We act as your advocate in negotiations with the insurance company to ensure you receive fair compensation for your water damage claim.

Settlement Maximization

We will ensure you receive the full amount you are entitled to under your policy.

Communication Liaison

We will handle all communication with the insurance company on your behalf, including submitting documentation, answering questions, and providing updates on the progress of your claim.

Categories of Water Damage

Category 1

Category 1 water damage involves water that originates from a clean and sanitary source. This type of water poses no substantial risk to humans. Common examples include broken water supply lines, tub or sink overflows with no contaminants, or appliance malfunctions involving water supply lines. However, it’s essential to address Category 1 water damage promptly, as it can degrade into Category 2 or 3 if left untreated.

Category 2

Category 2 water damage involves water that contains significant contamination and has the potential to cause discomfort or illness if ingested or exposed to skin. This type of water may contain chemical, biological, or physical contaminants. This water typically stems from sources such as dishwashers, washing machines, sump pump failures, or toilet overflow containing urine (but no feces). 

Category 3

Category 3 water damage involves water that is grossly contaminated and poses severe health risks to humans. This highly unsanitary water contains harmful pathogens, toxins, and other hazardous substances. Category 3 water typically originates from sewage backups, flooding from rivers or streams, toilet overflow containing feces, or stagnant water that has developed microbial growth. Professional intervention and specialized equipment are crucial to safely and effectively remediate Category 3 water damage.

Navigating Water Damage 

It can be confusing to understand how the water damage claims process works. Check out our Residential Property Claim Guide for a comprehensive view of navigating residential water loss claims.


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Homeowners insurance typically covers water damage but at times it might depend on the situation. It’s important to understand what your insurance covers and doesn’t cover before the potential event of water damage occurs.

Most insurance policies include coverage for ALE (additional living expenses) when your home becomes uninhabitable due to a covered loss. You can review our ALE resource to get a better understanding of what ALE is and how it might impact you during such events. 

ACV (actual cash value) and RCV (replacement cost value) are two different calculation methods used by insurance companies to determine the value of covered property if destroyed or damaged. Read more about ACV versus RCV to understand how your insurance company is calculating your coverage.

It’s important to understand that an insurance adjuster has the insurance company’s best interest in mind. That’s why public adjusters are so crucial because we work on your behalf to make sure you’re getting a fair assessment and payout.


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