Water Damage Claim Services By An Expert Public Adjuster
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Best Water Damage Claim Service You Deserve
Given the intricate policy exclusions and often confusing filing procedures, the stakes are high regarding water damage claims. It’s easy to feel overwhelmed, so it’s crucial to be well-informed. Our water damage claim service is here to guide you through every twist and turn of the process. We’ll help you sidestep the common pitfalls that often lead to underpaid or denied claims. From understanding the nuances of your insurance policy to leveraging the expertise of public adjusters, we aim to equip you with everything you need to secure the best possible settlement.
So, whether it’s a plumbing leak or the aftermath of a severe storm, don’t navigate the labyrinthine world of water damage claims on your own. Allow us to guide you, ensuring you receive the service and settlement you rightfully deserve.
Do NOT let the insurance company and their adjusters dictate the outcome of YOUR claim! We are the claims adjusters that will fight for you. – Greg Roover, Public Adjuster & President of Claim Concepts
The Reality of Water Damage: A Complex and Common Issue
Water damage is more than simply a tiny trouble; it’s a multifaceted issue that can have significant repercussions.
In Florida, an astonishing 90% of contact with public insurers is due to underpaid or rejected water damages insurance claims. These insurance claims usually come from pipe leaks, storms, or other weather-related events. Nevertheless, there’s a catch: water damage claims are riddled with risks and exemptions that can lead to an entire case denial otherwise dealt with properly. That’s where we are available – to direct you via the maze and guarantee you receive the settlement you are entitled to.
Some of the most common claims that our Florida Public Adjusters see are water damage claims. 90% of our calls are from Policyholders complaining of Underpaid Water Damage Claims or Denied Water Damage Claims. These claims are often from plumbing leaks or weather/storm-related, and as many learn throughout the process, they can be much more complicated than they appear. A minefield of exclusions can easily result in a complete claim denial if presented improperly to the insurance company.
If you have ever returned home to be greeted by water rushing under your door, you very quickly came to appreciate the enormously destructive power of something as simple as a toilet overflow, broken dishwasher hose, or burst pipe.
The stakes are even higher in Georgia, where water damage claims are as frequent as summer thunderstorms. With myriad policy exclusions and complex filing procedures, it’s easy to feel overwhelmed. That’s why you must arm yourself with the proper knowledge and resources. Our water damage claim service aims to guide you through every twist and turn, ensuring you avoid common pitfalls that lead to underpaid or denied claims. From understanding the nuances of your insurance policy to leveraging the expertise of public adjusters, we’re here to ensure you’re well-equipped to secure the best possible settlement.
Emotions at Play
Anxiety: The dread established when water creates mayhem on your property can be paralyzing.
Sloth: The seemingly countless checklist of jobs– from filing reports to finding repair service services– can feel overwhelming.
Why Claims Get Denied
Insurance providers are not your pals but companies focused on their profits. They have many factors to refute your claim, from “pre-existing problems” to “improper maintenance.” And they’re professionals at discovering loopholes in your policy to avoid payouts.
Common Reasons for Denial
Absence of Maintenance: If you’ve overlooked routine upkeep, your case can be denied.
Inaccurate Filing: A fundamental blunder in your documents can cost you dearly.
Policy Exclusions: Check out the fine print; some damages might not be covered.
The Role of Public Adjusters
Public insurance adjusters are the unrecognized heroes of insurance coverage cases. They’re your advocates, defending your legal rights against the Goliath that is the insurance provider. With our comprehensive experience and strategic methods, we recognize the ins and outs of the system and how to get you the settlement you should have.
Your insurance company employs an adjuster to work on its behalf. These adjusters are paid and trained by your insurance company, do they have your best interest in mind? Insurance companies do not make any money paying claims, actually, the claims division is most likely their largest expense and therefore, the easiest place for them to increase their bottom line.
We are state-licensed Public Insurance Adjusters. Greg Roover, the owner of Claim Concepts, brings experience working on both sides of the fence; being trained by the Big Insurance Companies he knows how they work, think, and act. That’s right, he used to be an adjuster for the other side. His experience working on both sides has helped many property owners achieve the claim settlement that they deserved.
You probably have enough to deal with right now. Our job includes the preparation of building damage estimates, contents inventory lists, and documenting your other losses. We handle all the tedious tasks of compiling, filing, and settling claims.
Reasons to Consider Hiring a Public Adjuster:
Proficiency: We have the knowledge and skills to evaluate and optimize your insurance claim.
Tactical Method: Our team has established approaches to bargain with the insurance coverage business successfully.
Client-Centric: Claim Concepts prioritize your benefits as their sole emphasis.
Tips for Enhancing Your Claim:
Taking care of an insurance claim for water damage appears like a critical chess game with substantial consequences. Each decision holds importance.
Below are some standards to make wise steps:
To guarantee you’re ready to submit a water damage claim, ensure you maintain detailed records of all interactions with your insurance carrier, take pictures of the damages, and save all fixing expenses. It’s additionally an excellent concept to speak with experts such as plumbings, specialists, and public adjusters, as their know-how can be essential in browsing the complexities of your case.
Furthermore, utilize thermal imaging innovation to expose covert water damage and keep a detailed inventory of all harmed items, including their worth and problems. By being complete and prepared, you’ll be well on your method of obtaining the service you are entitled to from your insurance coverage supplier.
Rebuilding After The Water Damage
Do you know what it will take to get your property back to the pre-loss condition after suffering a water loss? Did the water wick up your walls? That’s right, it can and does soak up into your drywall like a sponge, eventually leading to mold growth.
The bottom line is after water damage, property owners often face enormous repair bills and obstacles that can lead to an even more significant loss. You don’t have to face your insurance company alone. Let Claim Concepts assist you in recovering the largest available settlement with the least hassle.
DON’T TAKE OUR WORD FOR IT
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Meet the Senior Public Adjusters at Claim Concepts
Our Commitment
Greg Roover, SPPA
Inspired by Personal Experience
Greg’s path to becoming a Public Adjuster was deeply personal. The Northridge Earthquake was a turning point, where his family’s experience with a public adjuster opened his eyes to the profound impact of this role. Greg embarked on a strategic career journey, motivated by a desire to help others as his family was helped. He honed his skills working for insurance companies as an independent insurance adjuster.
In 2006, Greg’s vision came to fruition with the founding of Claim Concepts. His insider knowledge, gained from years within the industry, and his passion for aiding others have been instrumental in the company’s success.
In 2025, Greg earned the Senior Professional Public Adjuster (SPPA) designation from The Institutes, the highest designation available to public adjusters. Awarded only to seasoned professionals who complete a rigorous course of study and examinations, the SPPA reflects Greg’s commitment to mastering every aspect of the claims process on behalf of the policyholders he serves.
Greg’s expertise is not just in his impressive resume but in the countless testimonials from those he has aided, reflecting his dedication to securing the rightful settlements for our clients.
Greg's Expertise Backed by Industry Accreditations
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Florida Public Adjuster -
Lic #P017831 -
Georgia Public Adjuster -
Lic #2790971 -
South Carolina Public Adjuster -
Lic #716585 -
Tennessee Public Adjuster -
Lic #716858 - SPPA - Senior Professional Public Adjuster Designation
- NFIP Certified Flood Adjuster
- Former Independent Adjuster working for the Insurance Companies
- Former ICC Certified Residential Building Inspector
- Former Licensed: Mold Inspector/ Home Inspector
- Member FAPIA - Florida Association of Public Adjusters
- Member GAPIA - Georgia Association of Public Adjusters
Morgan "Eric" Thomas
From Adjuster to Advocate
Eric’s journey in the insurance world began in 1989, marking the start of a career defined by expertise and dedication. Fresh out of college, he jumped into the role of an independent adjuster, swiftly advancing to a general adjuster position at a major firm. There, Eric specialized in complex homeowners and commercial property insurance claims, showcasing his skill in navigating intricate scenarios.
In 2001, his career took a pivotal turn towards the construction aspect of insurance. As the General Manager for a renowned Insurance Restoration Contractor, Eric oversaw everything from estimating to maintaining vital relationships with insurance companies. His profound understanding of insurance and construction led him to Claim Concepts, where he now thrives as a Public Adjuster. His unparalleled insight has been crucial in ensuring that our clients receive the settlements they genuinely deserve
Eric's Expertise Backed by Industry Accreditations
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Florida Public Adjuster -
Lic #A263869 -
Georgia Public Adjuster -
Lic #3233218 -
South Carolina Public Adjuster -
Lic #3607940 -
North Carolina Public Adjuster -
Lic #3607940 - Former Independent Adjuster working for Insurance Companies (Since 1989)
- Former Insurance Restoration Contractor (Working for the Insurance Companies)
- Member FAPIA - Florida Association of Public Adjusters
- AIC - Associates In Claims
- Vale Institute - Large Loss Estimating
THE PROCESS
Our Proven Process Built on Precision, Leverage, and the Art of Resolving Complex Claims
Over many years, our team of seasoned professional Public Adjuster have developed a proactive claim management process to ensure our clients receive the proper settlement for their losses. We understand that proving your claim can be a daunting and time-consuming task, and we are here to alleviate that burden for you. Our goal is to make this process as seamless and stress-free as possible for you while ensuring that you recover the full and proper settlement for your loss that you need and deserve.
Step 1 - THE DISCUSSION
Your Claim, Our Strategy – It all begins with a no-obligation, in-depth review of your claim. We know that by the time most clients reach us, they’ve already experienced confusion, frustration, or a settlement offer that simply didn’t feel right. We will review all claim documentation including estimates, letters, policy, photos, and any other relevant items. We will then work directly with you to map out the most effective path forward. Rest assured that we will only make an offer to work with you if we are confident that we will add value to your claim.
Step 2 - THE EVALUATION
Exhaustive Inspection & Document Review – Once we partner, our team immediately gets to work on your claim. We dive deep into your policy to ensure we fully understand how it applies to your specific loss, while carefully reviewing all existing estimates, photos and documentation. We then conduct an exhaustive, technology-driven inspection of the property using advanced field tools to document every aspect of your loss, ensuring nothing gets overlooked.
Step 3 - THE DEMAND
Estimate Preparation & Submission – We develop a comprehensive, line-item estimate utilizing industry-standard software, subjecting it to a rigorous three-tier review process covering field accuracy, technical precision, and compliance, to ensure nothing is missed. Once completed, we share it with you for your review, input and approval before submitting our entire claim package to the insurance company as The Demand.
Step 4 - THE NEGOTIATIONS
Expert Negotiation, Focused on Your Best Outcome – We stand strong on your behalf, skillfully negotiating for the resolution you need and deserve. When negotiations stall, we don’t back down, we guide you through your available dispute resolution options, to keep your claim moving toward the outcome you deserve.
Step 5 - THE RESOLUTION
Successful Resolution, Your Satisfaction is Key: The final step, this is what everything has been building toward. A fair resolution isn’t just our goal, it’s our standard. Our clients’ outcomes speak for themselves, and yours will too!
CLAIM QUESTIONS? WE HAVE ANSWERS
Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company.
NO. Most states have laws stating that Public Adjusters are not allowed to represent the insurance companies. At Claim Concepts, we only represent the insuring public.
The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim.
Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company.
NO! This is NOT required under any policy that I have seen to date and I do not recommend it. In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition.
Yes! In most cases we can reopen your file with a supplemental claim. There are many factors involved. Give us a call and we will be happy to offer you a free claim consultation.
Not necessarily. It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property. However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property. Ultimately, you buy insurance to protect you in the time of a loss. If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help.
Do not do anything before having a qualified Public Adjuster or Attorney take a look at your file. Depending on the way everything is written you may be agreeing to their offer by depositing the check. Please call our office and speak with one of our Public Adjusters about your particular situation, we are always happy to help in any way we can.