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Water Damage Claims 

We help get the Max Payout for your Insurance Claims

Are you grappling with water damage at your commercial property and finding navigating insurance claims overwhelming? Home Safe Claims, your trusted public adjuster based in Colorado, is here to help. Specializing in commercial water damage claims, Home Safe Claims is dedicated to assisting policyholders like yourself in optimizing their insurance claims. Our seasoned team simplifies the complex claims procedure with their wealth of expertise, handling detailed adjuster paperwork and providing strategic advice. 


When dealing with water damage insurance claims, the process can often appear intimidating and intricate. We provide a simplified guide for business owners detailing the Home Safe Claims commercial claim process. From a complimentary initial assessment to receiving your claim payout, every step is meticulously managed to guarantee accuracy and diligent care to restore your property. 

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Meet Our Team

Our team of experienced adjusters will guide you through the entire process and ensure that your claim is handled with the highest level of professionalism and expertise.


When water damage strikes your business property in Colorado, it can result in considerable harm, whether the culprit is flooding or busted pipes. This is when the expertise of a Public Adjuster becomes invaluable. They will conduct an in-depth evaluation of the damage and compile a comprehensive report. The claim process can be complex and lengthy, but your Public Adjuster will navigate this on your behalf with the insurance company, ensuring you secure a fair settlement to cover the necessary repair expenses. As a business owner, your focus should be on recovering operations, and by engaging a Public Adjuster, you can do just that while they handle your water damage claims. 



Plumbing damage can arise from issues like leaks, burst pipes, clogged drains, or malfunctioning appliances such as washing machines and dishwashers, is a frequent culprit. These problems can strike unexpectedly and over time can cause extensive harm such as mold damage,  making the expertise of a Public Adjuster invaluable in filing claims and securing appropriate compensation.



Flood damage: Whether resulting from severe weather conditions or leaking pipes, poses another significant concern. The destruction it leaves behind can jeopardize the structural integrity of a building and pave the way for mold growth. Public Adjusters, with their in-depth understanding of the claims process, play a crucial role in expediting settlement.



Roof damage, characterized by damaged or missing shingles, is another common issue businesses face. Water can seep into the building leading to water damage that may not always be immediately visible. A Public Adjuster's meticulous inspection of the property can uncover such issues, enabling them to file a comprehensive claim on the business's behalf.

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Top 10 Commercial Water Damage Claims FAQs

Popular Questions from Businesses Dealing with a Water-Related Damage Claim

What is the most frequent type of commercial water damage claim?

In commercial settings, the leading type of water damage claim typically involves issues like pipe bursts or appliance malfunctions. A public adjuster can play a crucial role in these cases, accurately assessing the damage scope and ensuring the claim corresponds to the cost of repairs.

What steps should I take immediately after discovering commercial water damage?

As soon as you notice water damage, it's crucial to document the affected areas promptly, ideally with photographs or videos. Public adjusters can provide expert advice on effective damage documentation and suggest immediate remedial action to curb further damage to your property.

How much time do I have to submit a commercial water damage claim?

The timeline for filing a water damage claim for your commercial is influenced by the terms outlined in your insurance policy. Public adjusters can clarify these intricate terms and guarantee your claim is filed within the stipulated period.

Can I contest a commercial water damage claim settlement?

Absolutely. If the settlement proposed by your insurance company doesn't meet your expectations, you can dispute it. Public adjusters act as your representatives in these scenarios, negotiating with the insurance firm to secure a fair settlement.

What if I uncover additional damage after the insurance adjuster has inspected my business?

If you discover more damage after the insurance adjuster's inspection, you can usually file an additional claim. A public adjuster can help identify and document any further damage, ensuring a comprehensive claim is filed.

What is the role of a public adjuster in a commercial water damage claim, and why should I engage one?

A public adjuster is a professional adept at representing commercial insurance policyholders during the appraisal and negotiation of a claim. They possess the expertise to interpret policy terms, evaluate damage, and negotiate with insurance firms, potentially leading to a quicker and more satisfactory settlement.

Can my insurance firm cancel my policy if I employ a public adjuster for my commercial water damage claim?

No, insurance companies cannot legally terminate your policy simply because you hired a public adjuster. A public adjuster can safeguard your rights as a policyholder throughout the claim process.

What should I do if my commercial water damage claim is rejected?

In case your claim is denied, a public adjuster can investigate the denial reasons, assist in gathering necessary documentation, and represent you during appeals, thereby increasing the likelihood of a favorable verdict.

Does my insurance cover the fees for a public adjuster in case of a commercial water damage claim?

Though insurance doesn't typically cover public adjuster fees, many operate on a no-win, charging only if you secure a settlement. Their professional expertise often results in larger settlements that can cover their fees.

In what ways can a public adjuster assist with commercial water damage claims?

A public adjuster can be immensely helpful with commercial water damage claims in several ways. They bring their expertise in damage assessment, policy understanding, and negotiation with insurance firms to the table. This often results in a more thorough claim and potentially larger settlements. They can also offer guidance and support throughout the claim process, reducing stress for the business owner.

“I recently had  “Home Safe Claims” do an insurance claim for us and I couldn’t be happier with the results. The service was prompt, professional, and the final amount exceeded my expectations. I would definitely use this service again in the future and recommend it to others.”

- ATD Express

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