Have a pipe break? We will help YOU get more money for your water damage claim. 

Have a pipe break? We will help YOU get more money for your water damage claim. 

Public Adjuster serving New York and New Jersey

About Pipe Breaks, Pipe Bursts, Pipe Freezes, and Water Damage

A pipe break can happen anytime. At night, when you leave home for work, or when you’re away on vacation.

Sometimes a pipe break is referred to as a pipe burst, but for the purpose of insurance, generally they are treated the same way because most homeowners and commercial insurance policies provide coverage  for the accidental water discharge from a plumbing system. Unless you have the most basic insurance policy, you will be covered for the water damage in your home or business that results from a pipe break. If you have the most basic policy, an HO-1 for example, contact us and we can connect you with a trusted insurance broker so you can get adequate insurance protection for your property.

So What is a Pipe Break?

A simple way of thinking about it is if any plumbing fixtures fails and releases water into your home or business and causes water damage, it should be considered a pipe break by your insurance company.

Plumbing systems consist of two main systems. The supply side system in which water is supplied from a local water main to the various plumbing fixtures in a property. These fixtures can include sinks, faucets, refrigerators, dishwashers, washing machines, showers, bathtubs, toilets, bidets, water heaters, water filtration systems, and more.

The drainage system is where the water goes after it is used. This can be a waste system used to remove used water from the home or business and transfer the waste water to your local water sewer system.

Pipe breaks can occur on both the supply system and drainage system.

What Causes Pipe Breaks?

Pipe breaks occur for many reasons. The most common are wear and tear, accidental plumbing failure, and freezes. Each is described below in more detail.

Pipe Breaks caused by Wear and Tear

Plumbing systems have useful life expectancies. Valves, joints, and connectors wear out. Waste lines deteriorate. Even with routine maintenance, these systems will ultimately fail at some point.

Pipe Breaks caused by Accidental Plumbing Failures

Accidental plumbing failures are often the result of human error. For instance, let’s say a homeowner installs a new faucet in their kitchen.  There are two supply lines – hot and cold – that connect to that faucet. Those supply lines often “pop off” if they are not installed properly.

Pipe Breaks caused by Freezes

Pipes freeze when the ice in the pipes develops due to freezing ambient temperatures. When ice develops in the pipes, the pressure inside the pipes increases from around 40 pounds per square inch to as high as 40,000 psi —

Eventually, the pressure finds a weak point in the plumbing system, the pipe bursts, and water is released into the property. When a plumbing system freezes, generally you will have multiple bursts throughout the system and the water damage that results can be significant.

If there is a freeze that caused the pipe break, you will need to prove that you maintained heat in the building prior to the loss. You will do this by providing heat records for the previous year so that the adjuster can compare the heat usage of the period in which the pipe freeze occurred to the pattern of heat usage over the past year. If you do not maintain heat in the building, you may encounter a coverage issue. A good rule of thumb is to keep you thermostat on at least 60 if you leave your home or business for an extended period during the winter months.

On the other hand, if you do not want to maintain heat in the building, you will need to get the property winterized. If you take this route, make sure you keep the receipt for proof if you need it.

On the positive side, when a pipe break occurs due to freeze, the insurance company will often pay for the damaged pipes. This is because the cause of loss is “freeze,” not wear and tear.

Accessing a Broken Pipe

The next consideration is when you have a broken pipe that is hidden in the walls or in a floor cavity. The insurance policy generally covers the cost to “access the pipe,” so if you have drywall or even a concrete slab to requires demolition to get access to the plumbing system to make repairs to the damaged pipe, coverage is afforded for that cost.

Pipe Breaks, Water Damage, and Next Steps

When a property sustains water damage from a pipe break, it is very important to have the damages addressed immediately by professionals. Water damage can often be hidden and can cause long-term issues to the structure and to occupants if not propertly mitigated and restored, which would make a bad situation even worse.

If you need help with a water damage claim due to a pipe break, contact us for a 100% free, no obligation consultation with a public adjuster.

About Pipe Breaks, Pipe Bursts, Pipe Freezes, and Water Damage

A pipe break can happen anytime. At night, when you leave home for work, or when you’re away on vacation.

Sometimes a pipe break is referred to as a pipe burst, but for the purpose of insurance, generally they are treated the same way because most homeowners and commercial insurance policies provide coverage  for the accidental water discharge from a plumbing system. Unless you have the most basic insurance policy, you will be covered for the water damage in your home or business that results from a pipe break. If you have the most basic policy, an HO-1 for example, contact us and we can connect you with a trusted insurance broker so you can get adequate insurance protection for your property.

So What is a Pipe Break?

A simple way of thinking about it is if any plumbing fixtures fails and releases water into your home or business and causes water damage, it should be considered a pipe break by your insurance company.

Plumbing systems consist of two main systems. The supply side system in which water is supplied from a local water main to the various plumbing fixtures in a property. These fixtures can include sinks, faucets, refrigerators, dishwashers, washing machines, showers, bathtubs, toilets, bidets, water heaters, water filtration systems, and more.

The drainage system is where the water goes after it is used. This can be a waste system used to remove used water from the home or business and transfer the waste water to your local water sewer system.

Pipe breaks can occur on both the supply system and drainage system.

What Causes Pipe Breaks?

Pipe breaks occur for many reasons. The most common are wear and tear, accidental plumbing failure, and freezes. Each is described below in more detail.

Pipe Breaks caused by Wear and Tear

Plumbing systems have useful life expectancies. Valves, joints, and connectors wear out. Waste lines deteriorate. Even with routine maintenance, these systems will ultimately fail at some point.

Pipe Breaks caused by Accidental Plumbing Failures

Accidental plumbing failures are often the result of human error. For instance, let’s say a homeowner installs a new faucet in their kitchen.  There are two supply lines – hot and cold – that connect to that faucet. Those supply lines often “pop off” if they are not installed properly.

Pipe Breaks caused by Freezes

Pipes freeze when the ice in the pipes develops due to freezing ambient temperatures. When ice develops in the pipes, the pressure inside the pipes increases from around 40 pounds per square inch to as high as 40,000 psi —

Eventually, the pressure finds a weak point in the plumbing system, the pipe bursts, and water is released into the property. When a plumbing system freezes, generally you will have multiple bursts throughout the system and the water damage that results can be significant.

If there is a freeze that caused the pipe break, you will need to prove that you maintained heat in the building prior to the loss. You will do this by providing heat records for the previous year so that the adjuster can compare the heat usage of the period in which the pipe freeze occurred to the pattern of heat usage over the past year. If you do not maintain heat in the building, you may encounter a coverage issue. A good rule of thumb is to keep you thermostat on at least 60 if you leave your home or business for an extended period during the winter months.

On the other hand, if you do not want to maintain heat in the building, you will need to get the property winterized. If you take this route, make sure you keep the receipt for proof if you need it.

On the positive side, when a pipe break occurs due to freeze, the insurance company will often pay for the damaged pipes. This is because the cause of loss is “freeze,” not wear and tear.

Accessing a Broken Pipe

The next consideration is when you have a broken pipe that is hidden in the walls or in a floor cavity. The insurance policy generally covers the cost to “access the pipe,” so if you have drywall or even a concrete slab to requires demolition to get access to the plumbing system to make repairs to the damaged pipe, coverage is afforded for that cost.

Pipe Breaks, Water Damage, and Next Steps

When a property sustains water damage from a pipe break, it is very important to have the damages addressed immediately by professionals. Water damage can often be hidden and can cause long-term issues to the structure and to occupants if not propertly mitigated and restored, which would make a bad situation even worse.

If you need help with a water damage claim due to a pipe break, contact us for a 100% free, no obligation consultation with a public adjuster.

Have a pipe break? We will help YOU get more money for your water damage claim. 

Have a pipe break? We will help YOU get more money for your water damage claim. 

Public Adjuster serving New York and New Jersey

We are your claim partners.

You’ve come to the right place for help with your property insurance claim.

We’ll help you expedite and maximize your claim recovery.

For water, fire, and wind damages.

And…

For any other type of damage that may befall a residential or commercial property.

For claims large and small…

Located anywhere within New York or New Jersey.

Basically, if you have a property insurance claim — we can help.

Our public adjusters are licensed and bonded, and experts in insurance restoration.

We’re also knowledgeable about insurance carriers, the claims process, and claim negotiation.

And we’ll fight for YOU.

With the adjustment expertise at our firm…

When you retain us to handle your claim, you can be confident that we will help you expedite and maximize your property claim settlement —

So that you can avoid the aggravation of dealing with your insurance company yourself…

And achieve the best possible claim outcome!

How to Get Started

Complete the form below or call us at the provided number to schedule a free claim review.

On the call, we’ll discuss your claim and how we can help you.

We’ll also discuss price, timelines, and any other questions that you may have.

Choosing to work with Claimly Public Adjustment is a very important strategic decision for your claim recovery.

The time for action is now!

Dial Now to Book a Call

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$0 out-of-pocket.

No recovery, no fee – ever!

Plus – for a limited time:

Get up to $1,000 off our services* when you contact us by: September 24, 2020

Client Testimonials

“As a new homeowner my first insurance claim was a disaster . Recently a pipe burst from my ceiling , and it was disastrous . I swiftly called Claimly PA, and was met with extreme professionalism and great communication. McKinley and Jennifer have been great. This has made this situation so smooth and they helped me with coordinating the repair and insurance visit .It’s a pleasure to recommend them. When in doubt , be sure to call them and get sound advice.”

-Ithamar Theogene, Brooklyn, NY

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“My home sustained extensive wind damage to the roof and due to missing shingles, in turn caused interior water damage. Dealing with my insurance company was difficult. By the time a settlement was made my claim had been through at least 3 desk adjusters and a field adjuster. I felt the settlement was not adequate. The insurance company contracts with adjusters of their choosing so for a truly independent inspection/assessment I contacted Claimly Public Adjustment. An amended claim was submitted based on the professional efforts of McKinley. A supplemental payment was agreed upon after 2 additional inspections by my insurance company. You need someone who really knows this industry to guide you in protecting your interests in a unbiased way. McKinley provided this exceptional service and for this I highly recommend.”

-Lisa Stewart, Bronx, NY

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“My husband and I were referred to Claimly Public Adjustment by a mutual friend who had used their services after a fire broke out in their home and were extremely satisfied with the service and attentiveness they received. After an awful storm this past summer, I reached out to Claimly Public Adjustment, as our roof was absolutely destroyed and I was being stonewalled by my insurance company. Once contracted with Claimily, the process was extremely smooth and organized. The Claimly Team took the reigns and before I knew it my claim had been settled for even more than I anticipated and I now have a beautiful new roof just in time for this insanely cold winter season.”

-Lauren Houston, Westchester, NY

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“Claimly Public Adjustment came to the rescue when fire caused major damage to the inside of my Grocery Store. They helped to guide me through the entire process and fought hard with the Insurance Company to make sure that my family received what we deserved. Claimly Public Adjustment is the best company to have in your corner and I would give them 10 stars if I could. If you end up choosing Claimly to fight on your behalf, you will be in great hands.”

-Niurka Cabrera, New York, NY

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“When the unthinkable happened and the hot water baseboard heat malfunctioned flooding our home of 33 years, our insurance company was anything but helpful. My husband and I were a thousand miles away, where he was undergoing chemotherapy and too ill to return to our flooded home. Jennifer was very helpful, assisting us, answering our questions, and most importantly challenging the insurance company.”

-Ginny Nuffer, Olean, NY

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“When a pipe burst in my Westchester, NY home, rendering my home essentially unlivable, I immediately called my insurance carrier to report the incident. I had never dealt with a situation like this and falsely believed that my insurance company in which I diligently paid years worth of insanely high premiums to, would stand behind me. What I received was nothing short of a nightmare. I reached out to Claimly Public Adjustment to inquire about their services and immediately knew I would be in good hands. They navigated my claim with precision. To my surprise a claim that took me almost 7 months with no movement rendered a substantial insurance payment in less than 2 months once I procured Claimly’s services. If I could give anyone in a similar awful situation advice it would be to secure the services of Claimly Public Adjustment ASAP.”

-Alex Vaucheret, Westchester, NY

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“I’ve worked with Claimly Public Adjustment regarding several claims in New York and New Jersey. This company is very knowledgeable about property claims and the claims process. They are an invaluable resource for anyone who has sustained damage to their home or business.”

-Joseph Grunberger, Brooklyn, NY

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“McKinley, thank you so much for providing the suggestions and recommendations regarding my insurance claim. Your experience, knowledge and insight were clearly communicated and invaluable. I will definitely recommend your services. Navigating through the insurance claim process is completely stressful and you certainly helped walk me through this with the proper tools and skills.”

-Janet Larrain, Staten Island, NY

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“McKinley represented me as a public adjuster to my insurance company due to some water damage that occurred to my Co-Op unit here in NYC in 2018. As someone who personally understands construction and how expensive it is to repair damaged apartments in the city I felt frustrated by the lack of realistic damage estimates by my insurance carrier, so when McKinley took over it was a huge relief because he was able to help ensure that everything was accurately being accounted for and priced correctly.

I really trusted McKinley’s responsiveness, knowledge about the claims process, and in the end he was also able to sucessfully recover more of the damages than the insurance company was originally offering me by 25%. Overall McKinley made the process much more transparent and I really trusted his guidance of how to deal with the claims process and the insurance company. Anyone looking for a public insurance adjustor should very strongly consider hiring McKinley, I cannot recommend him highly enough.”

-John Tapp, Queens, NY

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