Water damage insurance claims help in Sacramento, CA

What do we do and not do?

We document the damage, the affected materials, moisture readings and the work performed, and we can provide that documentation for your insurer. We do not adjust claims, decide coverage or promise that a claim will be paid. Those decisions rest with your insurer and your policy. A well-kept insurance claim file, with dated photos and daily moisture logs, makes it easier for an adjuster to follow what happened and what was done.

What are your claim timelines in California?

Under California’s Fair Claims Settlement Practices Regulations, an insurer must acknowledge notice of a claim within 15 calendar days, and after receiving proof of claim must accept or deny it, in whole or in part, within 40 calendar days. Payment on the accepted part is due within 30 days of acceptance. Insurers must give written notice if they need more time. A denial must be explained. See 10 CCR 2695.5 and 2695.7.

How should I prepare?

Report the loss promptly. The California Department of Insurance recommends immediately finding and stopping leaks and reporting water damage to your agent or insurer. Photograph or video the damage before cleanup, keep damaged items until the adjuster agrees, and keep receipts.

What if coverage is denied?

Ask for the denial in writing with the reasons, and review your policy. The California Department of Insurance offers consumer help for claim disputes. For legal questions, consult an attorney or a licensed public adjuster.

Two guides that answer common claim questions: whether homeowners insurance covers burst pipes in California and how to choose a restoration company and check a CSLB license. Business owners should also see business continuity and insurance claims.

Insurance claims help: common questions