Licensed Ohio Public Adjuster #1367111
Call (419) 504-1601
Broken or burst pipes are a common experience most homeowners will deal with — and one of the top causes of water destruction in residential properties. Our properties are filled with pipes transporting water throughout our homes, and it only takes a small hole in one of those pipes to cause severe destruction to the structure and the property within. This is an even greater concern in areas that experience extreme winter conditions.
Before Accepting The Estimate
A low or incomplete estimate should be checked against the claim file before the payment is treated as final.
1
Take clear photos and video of the visible burst pipe damage, related exterior or interior damage, damaged materials, temporary repairs, and any areas the insurance estimate does not address.
2
Keep the carrier estimate, claim payment letter, deductible information, denial or partial denial language, emails, texts, adjuster notes, and any reservation or coverage letters in one file.
3
Review whether the insurance estimate includes the actual burst pipe damage repair scope, quantities, materials, labor, mitigation, contents, interior damage, matching, code, and pricing issues supported by the claim file.
4
Mark the items that appear missing, below deductible, priced too low, labeled old damage, labeled cosmetic, excluded, delayed, or left for a later supplement.
5
A licensed public adjuster can review the documents, organize the damage position, communicate with the carrier, and evaluate whether appraisal may fit an amount-of-loss dispute.
Documentation
A stronger review starts with the claim file. These documents help separate missing proof from coverage disputes, scope disputes, pricing issues, and amount-of-loss appraisal questions.
1
Save the date of loss, claim number, declarations page, full policy, deductible information, coverage letters, payment letters, reservation letters, and any denial or partial-denial language.
2
Document the burst pipe damage, related exterior and interior areas, damaged materials, temporary repairs, and any conditions that may change after mitigation or contractor work begins.
3
Keep the insurance estimate, contractor or mitigation estimates, supplements, scope notes, pricing differences, quantities, material notes, labor items, code items, matching issues, and repairability concerns.
4
Save emergency invoices, mitigation records, dry logs, inspection reports, engineer reports, material reports, contents inventories, receipts, storage invoices, and repair documentation.
5
Keep emails, texts, call notes, adjuster messages, inspection dates, missed deadlines, requests for information, and a short list of whether the issue is coverage, scope, pricing, documentation, or amount of loss.
Claim Help
KCC represents the policyholder, not the insurance company. The job is to help document the loss, review the claim position, organize evidence, and advocate for the policyholder during the claims process.
KCC documents the damage, reviews the policy, builds the claim position, and pushes back when the insurance estimate does not match the real loss.
