Burst pipe insurance claim problems
TJM Consulting, LLC
Burst pipe insurance claim problems are only such when they are not handled promptly. These problems are common and can be most devastating. They are significant in that they cause considerable damage to property and can result in many health risks to the homeowner/businessowner due to the
development of mold when not taken care of properly. Pipes burst mostly as a result of freezing and sometimes from simple wear and tear. Insurance will cover frozen pipes, burst pipe damage and all the resulting damage but only if you do what is necessary to not have contributed to the damage and alleviate the problem once it occurs. For example if a pipe burst as a result of it being frozen the first question that will be asked by your insurance carrier is if you had the heat turned on. Some homes especially vacation homes not always occupied during winter months are often left without heat. If this is the case your homeowners policy will not cover the subsequent damage caused by the burst pipe. You will have to produce heating bills to show that heat was on during the time of the incident. Another condition that must be met is upon discovering a frozen or burst pipe you must take immediate action to correct the problem reducing the amount of damage to your property. A simple thing is promptly turning off the water supply and arranging for the necessary repair.
Should you discover a broken water pipe that has caused flood damage to your home or business call us immediately. We will secure the services of a reputable water remediation company to properly protect your property from further harm. Not only is this prudent it is required by your insurance company to meet policy requirements. TJM Consulting, LLC will handle every aspect of your broken water pipe claim including getting the necessary contractors to stop the problem causing damage to your property to ensure against further damage and loss. Making sure you get an advance from your insurance company if necessary and most importantly insuring policy requirements are met. Here is what TJM Consulting will do:
Full analysis of your insurance policy and the type of coverage you have (replacement cost or actual cash value coverage). What is covered and what are the exclusions.
Make sure all policy requirements are met. You are required to make sure further damage is not encountered by the peril. Provide necessary contractors, remediation company, plumbers, electricians, etc. to make sure your property is safe and meeting policy requirements.
We conduct a complete scope of building damage and provide a complete detailed estimate to restore the building.
We conduct a complete review of financial data to identify any financial loss that is covered by your insurance policy if this is a business.
We conduct a complete estimate of damaged and lost assets and determine how much is covered by insurance.
We report your claim and followup with company adjusters, in writing, orally, and through various site visits and meetings.
We meet with insurance company adjusters to identify and document the scope of damages both physical and financial.
We prepare a complete detailed report identifying the full scope of your loss and present to your insurance company.
We will request advances on your coverage to absorb costs encountered while getting your building in order.
We will negotiate a final settlement of your claim and only accept it upon your approval.
The process on frozen or burst pipe insurance claims can be cumbersome and difficult to navigate and certainly can take a long time. We will make sure that your loss is fully identified to make sure you get every dollar you are entitled too. A public adjuster can make all the difference in restoring your building and assets in a timely fashion and returning your life back to normal as soon as possible, making sure you get paid.
88 Peppergrass Drive South
Mount Laurel, NJ 08054
214 19th Street South
Brigantine, NJ 08203