Water Damage Claims
A water damage claim covers property loss from pipe or plumbing failure, roof leaks, sewer backup, or flood.
Water losses range from a single pipe failure to a building-wide freeze event, and often carry secondary mold and material-replacement costs an initial estimate misses. Standard commercial property policies typically exclude flood damage, which requires separate flood coverage — a distinction Continental Adjusters walks policyholders through before a claim is filed, so the right coverage is used for the right loss. Continental Adjusters settled one freeze-related water damage claim at nearly four times the insurer's original repair estimate by applying a multi-approach valuation strategy.
Water Damage Claim Types
Pipe & Plumbing Failure
Documents damage from burst, frozen, or failed plumbing systems in commercial properties.
Roof Leaks & Water Intrusion
Values water damage entering through roofing or building-envelope failures.
Sewer & Drain Backup
Documents and values losses caused by sewer or drain backups into commercial properties.
Flood Damage
Handles claims under separate flood coverage, distinct from standard property policy water damage.
Mold & Secondary Damage
Documents mold and material damage that develops after the initial water damage event.
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Why Continental Adjusters
25+ Years, $4B+ Recovered
Continental Adjusters LLC has represented commercial policyholders for more than 25 years and collected over $4 billion in settlements nationwide.
Policyholder-Only Representation
Continental Adjusters never represents insurance carriers and holds no financial interest in repair work tied to any claim it handles.
In-House Forensic Accounting
Continental Adjusters quantifies business interruption and lost-income claims using its own forensic accounting team rather than outsourcing the analysis.
Full-Service Claim Support
Continental Adjusters carries a claim from initial inspection through negotiation, and into appraisal, umpire proceedings, or expert witness testimony if the claim is disputed.
No Upfront Cost
Continental Adjusters works on a contingency basis, so a policyholder pays nothing until the claim is recovered.
Shopping Center Hailstorm
Continental Adjusters helped secure a substantially higher settlement for a commercial property hailstorm claim.
How It Works
Free Claim Review
Continental Adjusters reviews the policy and loss details at no cost to determine whether the claim is being fairly valued.
Property Inspection & Documentation
A Continental Adjusters representative inspects the property, documents the damage, and brings in engineering or trade experts where the loss requires it.
Loss Valuation
Continental Adjusters prepares a detailed repair and replacement cost valuation, and, for business interruption losses, a forensic accounting analysis of lost income.
Claim Submission & Negotiation
Continental Adjusters submits the documented claim to the insurer and negotiates directly on the policyholder's behalf.
Settlement or Escalation
Continental Adjusters closes the claim at settlement, or, where the insurer disputes the value, moves it to appraisal, umpire proceedings, or litigation support.
Cost
Continental Adjusters works on a contingency-fee basis in most engagements, so a policyholder pays nothing upfront — the fee is a percentage of the amount recovered, and Continental is only paid once the claim is. Fee structures and statutory caps vary by state; see the relevant state resource page for specifics.
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