A burst pipe or failed water heater soaks floors and walls in hours. We record the loss before it dries and negotiate the whole claim.
We traced where the water entered and read that against the policy wording. It was covered.
“They helped us work around insurance with our flooded basement.” Yaryna Dovhan
All resultsMost homeowners policies
What settles the argument
Often denied
Stains and moisture readings show how long it ran.
ExcludedNeeds a flood policy.
Did it enter from outside, or from a system inside?
Gold tiles: what we most often add back.
Water wicks up walls and stains ceilings below.
Hardwood cups and buckles; laminate swells at the seams.
Particleboard swells at the toe-kick.
The wall face dries; the insulation behind it stays wet.
Often missedNew boards beside old ones rarely match.
Often missedOpening walls to reach the leak, ruined contents, living costs.
Often missed
From the Illinois Insurance Code.
State Adjusting Services is hands down the best company I’ve partnered with in the Chicagoland area as a public adjuster. Thanks to their exceptional work, nearly all of my clients have received new roofs, gutters, downspouts, garage doors, and even new floors due to water damage. Their team is not only highly professional but also genuinely cares about each client. I highly recommend them!
Great guys and great service. Got my check right away and had no issues to repair my floor.
Very effective representing us. Results couldn’t be better.
We are public adjusters, not attorneys. We document the water loss, price it and negotiate with your insurer. You can still hire a lawyer at any point.
Stop the water, photograph everything and report the loss as promptly as your policy requires. Send us the policy before the carrier’s adjuster visits.
No. The broken part, the stain pattern and moisture readings can show when the water started, and we put that evidence to the carrier.
