Insurance paperwork
Paperwork your adjuster can use
We repair the pipe. Your insurer decides the claim. In between, the paperwork matters.
Adjusters usually ask what failed, when the water was stopped, what it cost to repair, and what the damage looked like before anyone cleaned it up. We write those down while the plumber is still on site.
We don’t file your claim and we can’t promise what it pays. We make the documents clear and complete.
Photos before and after the repair
A written cause of loss
An itemized repair invoice
What we write
Two documents, in plain words
The cause-of-loss note
One page the plumber signs.
Where the water came from and what failed
The pipe material and, if we can tell, its age
Date and time the water was stopped
What we did to stop it
The repair invoice
Itemized, with nothing rolled together.
Date, address and who did the work
Labor, time on site and parts
Any permit the city required
After-hours rate, if one applied
Your first calls
In this order
- 01
Step 1: Stop the water
Shut the main. If you can’t find it, tell the dispatcher and keep clear of anything electric.
- 02
Step 2: Call us
We send a crew and tell you the after-hours rate if one applies.
- 03
Step 3: Call your insurer
Many policies ask you to report a loss promptly. They will tell you what they need and whether they use a particular restoration company.
- 04
Step 4: Photograph the damage
Before you mop or throw anything out, take wide and close photos of every wet room.
- 05
Step 5: Keep the failed pipe
If you find it first, put it in a bag. We bag it too, when we cut it out.
Questions about claims
Will my insurance pay for this?
We can’t say. Coverage depends on your policy and on what caused the leak. We can give your adjuster the photos, the cause of loss and an itemized invoice.
Do you bill my insurer?
Ask your adjuster how payment works on your claim. We send the invoice to you either way, and we can send a copy to the adjuster too.
Should I keep the broken pipe?
Yes, if you can. We bag the failed part when we cut it out and keep it for you until your adjuster says it can go.
Should I call my insurer first?
Call us first to stop the water, then call your insurer. Many policies ask you to report a loss promptly and to limit further damage, and your insurer will tell you what it needs.
Do you dry out the house?
No. Drying and removing wet materials is a restoration company’s work. We work with two local ones and you can use them or your own.
Need the paperwork started tonight?
Call the emergency line. The plumber takes the photos as part of the job.
Emergency line, 24/7.