Insurance Carriers & Third-Party Reviewers in Claims

How Insurance Carriers Use Third-Party Reviewers to Undervalue Water Damage Claims

Water damage, whether from a burst pipe, storm, or appliance leak, can be devastating. Unfortunately, many insurance companies use third-party tactics to limit the amount they pay out on claims. Here’s how they may undervalue your water damage claim:

1. Lowball Adjuster Estimates

Insurance companies often rely on software-generated estimates that undervalue the true cost of water damage repairs. These estimates might overlook hidden moisture, mold risks, or specialized restoration work. Third-party reviewers may also downplay or ignore independent contractor reports, opting for cheaper, generic solutions that don’t address the full scope of the damage.

2. Delaying Tactics

Insurance companies may drag out the claims process by requesting multiple inspections or repeatedly asking for paperwork. These delays can pressure you to accept a lower settlement just to get your repairs started.

3. Partial or Denied Coverage

Third-party reviewers may attempt to deny coverage for essential repairs by claiming that certain damage was pre-existing, unrelated to the event, or not covered by your policy. Commonly contested repairs include drywall replacement, baseboards, or mold remediation.

How to Protect Your Water Damage Claim

You’re not powerless when dealing with your water damage claim. By actively participating in the process, you can protect your rights as a policyholder. Here’s what you can do:

✅ Document Everything

Take immediate, detailed photos and videos of the water damage. Keep all communication records, receipts, and contractor assessments to support your case.

✅ Get Your Own Estimate

Don't rely solely on the insurance company's third-party report. Hire a certified restoration company like Boone’s Restoration Technologies to provide a comprehensive damage assessment.

✅ Request the Third-Party Report

You have the right to see the insurance company’s third-party report. Request a copy and ask for a detailed explanation of any reductions in the payout.

✅ Challenge Low Offers

If the insurance company offers you a settlement that doesn’t cover necessary repairs, file an appeal. Present your own evidence, such as expert assessments, and consider legal support if needed.

✅ Know When to Bring in a Professional

If you find the process frustrating or unfair, consider consulting a public adjuster, licensed mold assessment consultant, or a property damage claims attorney to assist in navigating your claim.

Final Thoughts: Don’t Settle for Less Than You Deserve

Dealing with water damage can be overwhelming, but the insurance claim process doesn’t have to be. As a policyholder, you are entitled to a fair settlement that accurately reflects the full extent of your loss. Don’t let third-party reviewers or complicated claim procedures shortchange your recovery.

At Boone’s Restoration Technologies, we specialize in helping homeowners and property managers document water damage, work with insurance adjusters, and ensure proper restoration of your property.

Need assistance with your water damage claim? Contact us at 281-444-5959 or visit boonesrestoration.com for a professional damage assessment and expert guidance through your insurance process. Proudly serving The Woodlands, Spring, Conroe, Magnolia, Cypress, and surrounding areas.