Water Damage
Water Disaster Insurance
Claims Tips
Request a certified copy of your insurance contract from your agent or insurance adjuster. This document outlines your coverage, your responsibilities, mold provisions and/or limitations. When a dispute arises over coverage or policy language, reach out to an experienced and trusted public adjuster for interpretation and understanding.
Begin mitigation of the water damage, NOT restoration of damaged property. Only when you and your insurance company have reached an agreement to the volume and cost of damage, should the rebuilding and restoration work begin.
Document all damage with photos and video. If the removal of sections of dry wall or flooring become necessary prior to the insurance company’s claim adjuster survey, make sure that samples of the removed materials are saved.
Obtain your own estimates to measure the true cost for the repairing or replacement of your water damaged property. Attain a minimum of 3 estimates from properly qualified general contractors.
Demand a written explanation and reasons why in the event that your water damage claim has not been fully settled within 45 days of its filing.
Water Damage Claims
Water damage claims generate the greatest expense for insurance agencies. More often than not, property owners just like you end up with inaccurate and delayed settlements, causing more problems and stress than solutions.
Avoid Unfair Water Settlements or Your Claim Being Denied
Your capability of presenting and proving the extent of damages will be a deciding factor in recovering a fair settlement. The process of substantiating damages may present a challenge if you are not aware that the responsibility to do so is yours.
We are able to accurately estimate and fully substantiate the entirety of damages. Our adjusters stand equipped and ready to not only prove your case, but win it. Through the use of state-of-the-art imaging and moisture detection technology, we have the capacity to ascertain the scope of water damage and provide homeowners like you with fast and accurate settlements.
We advocate on your behalf to ensure that your insurance company covers all eligible losses under your policy. From initial assessment to final settlement, Godfrey Mitchell & Associates is by your side, ensuring a fair and comprehensive resolution to your mold damage claim.
Mold can be insidious, often resulting from undetected leaks or water damage. We identify the source, document the extent, and ensure mold-related damages—including structural impacts and health risks—are fully addressed in your claim.
Mold Damage Claims
Mold damage can pose serious risks to both property and health. At Godfrey Mitchell & Associates, we understand the hidden and often complex nature of mold claims. Whether it results from a hidden leak, water intrusion, or a prior event like a flood or storm, mold can cause extensive damage over time—leading to structural issues, health hazards, and costly repairs.
Our team of experts is skilled in evaluating the full scope of mold damage, including:
Identifying and documenting hidden mold growth
Assessing the impact on building materials, air quality, and personal property
Determining the root cause, such as faulty plumbing or inadequate remediation
Ensuring compliance with health and safety standards