From Overflow to Coverage: The Importance of Policy Knowledge

A contractor colleague referred me to their neighbor, dealing with an insurance claim relating to a plumbing issue. The contractor was concerned about coverage, as the insured didn’t have specific sewer backup coverage clearly outlined in their policy. I assured them that I would do my best and immediately began reviewing the policy, as is standard practice here at EB Adjusting.

While combing through the policy, I discovered a key detail: it differentiated between a sewer backup and an overflow of the plumbing system, with the latter being covered. When I received the plumber’s report, I was thrilled to confirm that the cause of the loss was indeed a plumbing system overflow, just as I had suspected. Armed with this crucial information, I submitted the necessary documentation along with the estimate, and after some back-and-forth with the insurance company, I successfully got everything covered.

Initially, the insurance company offered around $12,000. After extensive discussions and presenting the right evidence, I was able to increase the claim total to over $23,000, over double the initial estimate. In this case, the insured was extremely busy, and having a public adjuster like myself manage all the communications and coordinate between parties significantly reduced their stress and contributed to the professional experience we provide here at EB Adjusting. Additionally, my knowledge of the policy played a critical role in securing such a favorable outcome.

This case highlights how a public adjuster can be an invaluable resource, especially when navigating complex coverage issues and dealing with remote claim adjusters.

Initially, the insurance company offered around $12,000. After extensive discussions and presenting the right evidence, I was able to increase the claim total to over $23,000, over double the initial estimate. In this case, the insured was extremely busy, and having a public adjuster like myself manage all the communications and coordinate between parties significantly reduced their stress and contributed to the professional experience we provide here at EB Adjusting. Additionally, my knowledge of the policy played a critical role in securing such a favorable outcome.

This case highlights how a public adjuster can be an invaluable resource, especially when navigating complex coverage issues and dealing with remote claim adjusters.