We represent homeowners and commercial property owners in new, denied, and underpaid water damage claims across Maryland, Virginia, Pennsylvania, New Jersey, Delaware, West Virginia, and Washington, DC. We document the damage, prepare the repair estimate, and negotiate with your insurer.
Free, no-obligation review. No upfront fee. We’re paid when we recover money for you.
While you coordinate a plumber and drying work, we organize the evidence, prepare the claim, and follow up with the insurer.
Contact us before filing or while the claim is open. You do not need to wait for an offer.
The insurer may call the damage a long-term leak or allow only paint when the floor and cabinets need work. We compare its decision with your policy, inspection findings, and repair estimates.
Share the denial or estimate if you have it. We can start with what is available.
Drying the property and repairing it are separate parts of the loss. We account for both, including work needed to reach damaged materials.
A wet basement can result from a pipe failure, backup, or flood. We establish the source and check the policy terms that apply.
Plumber findings and the discovery timeline help establish what happened. For frozen pipes, we also check policy conditions about maintaining heat and protecting the plumbing.
For failed dishwasher connections, washing-machine hoses, and refrigerator lines, we separate the failed part from the resulting damage. Your policy may treat those costs differently.
Water entering through a drain or overflowing from a sump may need water-backup coverage. We check whether that coverage is included and what limits apply.
Rain entering through damaged roofing, siding, or a window calls for evidence of the opening and interior damage. Exterior photos and the storm’s timing help connect the two.
Rising water from outside generally requires separate flood insurance. Backups and gradual leaks have different coverage questions. Read our Maryland water damage coverage guide.
We handle the claim details and keep you informed about the insurer’s response and any unresolved issues.
We establish when you found the water and what stopped it, then review your policy, added coverages, deductible, and any insurer decisions or payments.
We photograph and measure the damage, then gather available plumber reports, moisture readings, drying records, and cleanup invoices. We compare the findings with the insurer’s inspection and identify areas needing further evaluation.
We price the documented repairs, including access, removal, materials, and finishing, and support eligible costs for damaged belongings and temporary living arrangements.
We handle insurer questions, inspections, and disputed costs. If more damage is found during repairs, we document it and ask the insurer to include the additional repairs.
The review starts with what happened and where your claim stands. We’ll explain what needs a closer look, how we could help, and whether hiring us makes sense.
A straightforward loss with a fair estimate may not need ongoing representation. If you hire us, we explain the work, fee calculation, and any approved expenses in writing before you sign.
Free, no-obligation review. No upfront fee. We’re paid when we recover money for you.
A public adjuster represents you in the insurance claim. Caretake reviews coverage, documents water damage, estimates repairs, and negotiates with the insurer. Plumbers and restoration contractors handle the physical work on your property.
Yes. Caretake can review your situation before filing or while the claim is open. Keep meeting your policy’s notice requirements and taking reasonable steps to prevent more damage. Contacting us should not delay either.
Yes. Caretake compares the denial or estimate with your policy and evidence to identify disputed causes, missing damage, or repair costs. Your options depend on the facts, policy terms, deadlines, and any agreement already signed.
Not necessarily both. A policy may cover damage from a sudden plumbing failure but exclude the failed part itself. Work needed to reach the plumbing can raise a separate coverage question. Caretake reviews each cost against your policy.
Additional damage can be submitted for review, subject to your policy and deadlines. Keep photos, contractor findings, and a revised estimate, and allow any inspection the insurer reasonably needs. Caretake helps connect the new findings to the original loss.
No. If safe, stop the source, arrange emergency help, and photograph conditions before cleanup. Keep invoices and drying records, and tell the insurer what happened and what work is underway. Caretake can review the claim while work proceeds.
Yes. Your restoration company dries and repairs the property; Caretake represents you on the claim. Its photos, readings, and estimates can support our discussions with the insurer. You remain responsible for your contractor agreement.
The review is free, with no obligation to hire us. Caretake charges no upfront fee and is paid when it recovers money for you. Before signing, we explain the fee calculation and any approved expenses in writing.
Starting a claim or questioning an offer? We can review what you know today.
Free, no-obligation review. No upfront fee. We’re paid when we recover money for you.