Damages from Broken Water Pipes

Water damage does not always have to happen as a result of water entering your home caused by a natural flood. A broken water pipe from inside your residence can play true havoc and result in tremendous damage expenses. It is very discerning to wake up one morning to see your shoes floating down the hallway. Broken pipes can be a result of stress or age on the fixture or can be caused by freezing because of inclement weather outside. Standing water damages floor covering, wood sub floors, baseboards, drywall and/or plaster, wallpaper, furniture, draperies and any of your personal possessions that were left on the floor. Then after you dry everything out - the mold sets in.

What at first seemed to be an open and shut case of damage is now growing into a complicated potentially dangerous mess. Even if you can agree with the insurance company about replacing the damaged drywall plaster boards on your walls, are they just estimating the cost of replacing the bottom 6 inches or the entire wall to the ceiling? Have you figured what you will do if the contractor is giving the cheapest price because he is planning on using the cheapest material - Chinese drywall?

This is why the services of a Public Adjuster, preferably John Moynagh, is so very important and needed. Mr. Moynagh charges no fees up front. He will negotiate with your insurance company on your behalf and only when there is a fair and satisfactory settlement does he get paid. The Public Adjuster’s job is to be there to level the playing field between you and your insurance company. He is someone who is informed and familiar with the territory. Whether you are just starting to figure out what all has occurred and you haven’t filed any claim as of yet - or you have recently, in the past five years, made a settlement with your insurance company. There are all types of factors that go into deciding what your true losses are. Not everything may be clear and/or obvious in the beginning. There are usually mitigating circumstances which are not obvious at first. When trouble has occurred, it is often hard to keep a cool head and steady hand in dealing with all the formalities, forms, estimates, statements and accounting. This is the time for you to hire a Public Adjuster to take over the negotiations and relieve some of the stress from your shoulders. John Moynagh does not charge any fee up front. He only gets paid a percentage of what he settles with the insurance company on your behalf.

Before giving any formal statement or accounting to the police and/or your insurance company, it is best to have your own Public Adjuster involved. However, even if you have started negotiations or have already settled your claim, there is still time to hire John Moynagh and get a fair and maximum settlement. A Public Adjuster, preferably John Moynagh, should review your insurance claim to make certain your claim was paid properly. All claims that may have been denied and/or not paid properly or to their fullest reasonable settlement may be re-opened on your behalf. There is no fee for this service unless your Public Adjuster is successful in securing you a new or adjusted settlement.