THE CLAIM IS NEVER THE END OF IT.
Water damage costs more than the repair. It follows your home, your premium, and your insurability for years.
INSURANCE PAYS FOR THE DAMAGE. IT DOESN'T STOP IT.
When a leak happens, water runs until someone notices. That could be hours. It could be days.
The average water damage claim costs $15,400. Mold sets in within 24 to 48 hours. Cleanup takes days to weeks — and you may not be able to stay in your home while it happens.
A claim gets you back to even. It doesn't undo the disruption, the mold risk, or what happens to your insurance rate afterward.
THE NUMBERS ARE HARD TO IGNORE.
One in 67 insured homeowners files a water damage claim every year. Water damage accounts for nearly 1 in 4 of all home insurance claims. A single claim raises your premium an average of 25%. That increase stays with you for five years. A second claim can trigger rate increases of 40 to 80% — or non-renewal.
The damage doesn't have to be catastrophic to cost you. A slow leak behind a wall. A part that lets go overnight. A component that should have been replaced years ago.
WHAT HAPPENS AFTER A CLAIM IS WORSE THAN MOST PEOPLE EXPECT.
Water claims stay on your CLUE report for five years. That record follows your home — not just you. It can affect your ability to sell, a buyer's ability to get insurance, and your own renewal terms.
Some carriers non-renew after a single large claim. Others require inspection before reinstatement. Prevention doesn't just protect your home. It protects your insurability.
THE ASSESSMENT IS FREE. THE PROTECTION IS PERMANENT.
We come to your home, walk every fixture, and show you exactly where the vulnerabilities are. No obligation. No pressure. Just a clear picture of what your home needs.