Insurance Claims
We Handle the Insurance Paperwork
Filing an insurance claim for water damage is stressful enough without trying to figure out documentation requirements, adjuster communication, and billing procedures. We manage the entire process so you can focus on your family and your home.
Full Claim Support
How We Help With Your Claim
Complete Documentation
We photograph and document every detail from the moment we arrive. Thermal imaging, moisture readings, damage scope, daily progress logs, and final dry verification. Our documentation package meets every major carrier standard.
Adjuster Coordination
We communicate directly with your insurance adjuster throughout the entire process. We schedule inspections, answer technical questions, provide supplemental documentation, and ensure the scope of work is accurate and complete.
Direct Billing
We use direction-to-pay authorization so you never have to pay us out of pocket and wait for reimbursement. We bill your insurance company directly. Your only cost is typically your deductible.
Claim-Ready Reports
Every report we generate is formatted specifically for insurance claims. Detailed scope of work, line-item pricing, photo documentation with timestamps, moisture logs, and certificate of completion. Adjusters get exactly what they need.
Know Your Coverage
What Does Your Policy Cover?
Understanding the difference between covered water damage and excluded events can save you time and frustration. Here is a general guide. Your specific policy may vary.
Typically Covered
- Burst pipes and supply line failures
- Appliance malfunctions (water heater, dishwasher, washing machine)
- Storm damage and wind-driven rain
- Accidental overflow (bathtub, toilet, sink)
- Ice dam damage
- Sudden roof leaks from storm damage
- Fire suppression system discharge
- HVAC condensation line failures
Usually NOT Covered
- Gradual leaks from deferred maintenance
- Flood damage (requires separate flood insurance)
- Sewer backup (often requires a separate rider)
- Groundwater seepage
- Damage from intentional acts
- Mold from long-term moisture (if not from a covered event)
- Foundation settling or earth movement
- Damage from failure to maintain your home
Not sure if your damage is covered?
Call us. We have seen thousands of claims and can help you understand what your policy is likely to cover before you file. This consultation is always free.
Step by Step
The Insurance Claim Process
File Your Claim
Call your insurance company to report the damage within 24 hours. Get your claim number. If you need help with what to say, call us first and we will walk you through it.
Call WaterTite
Call us at (678) 973-1468. We dispatch immediately and begin documenting the damage from the moment we arrive. Early documentation strengthens your claim.
We Document Everything
Thermal imaging, moisture readings, photos, video, damage classification, and a detailed scope of work. All formatted to insurance industry standards.
Adjuster Review
Your insurance adjuster reviews our documentation and inspects the property. We coordinate scheduling and are present during the inspection to answer technical questions.
Restoration Proceeds
Once the scope is approved, we complete the restoration. Daily logs and moisture readings keep your claim file current. We bill your insurance directly.
Final Documentation
Upon completion, we deliver a complete documentation package: certificate of completion, final moisture readings, all photos, and any supplemental reports your adjuster needs.
We Work With Everyone
Insurance Companies We Work With
We work with every major insurance carrier in Georgia. Our documentation meets the standards all carriers expect. Here are some of the companies we work with regularly.
Do not see your carrier? We work with them too. Contact us for details.
Need Help With a Water Damage Claim?
Call us today. We will assess the damage, start documenting immediately, and guide you through the entire insurance process.