Water Damage Claims Are Complicated. We're Not.

Sudden pipe failures are typically covered — but insurers push back on scope. Common in Wisconsin and Illinois winters, freeze damage requires specialized documentation.

Ice dams form at roof edges and force water under shingles and into ceilings and walls. Coverage depends on your specific policy wording — we know what to look for.

Water heaters, washing machines, and dishwashers that fail suddenly are typically covered. Gradual leaks are often excluded — we help establish the timeline.

Sewer backup coverage is often a separate endorsement. Without it, you may not be covered — but with it, we help maximize your recovery.

Rain-driven water through damaged roofs, windows, or walls after a storm is typically covered under wind/storm damage — not flood. Knowing the difference matters.

Mold resulting from a covered water loss should be covered — but insurers fight this hard. We trace the mold to the covered event and document full remediation needs.