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Flooded Basement & Burst Pipe Damage Claims 

We help get the Max Payout for your Insurance Claims

If your residential basement has suffered flood damage and you're struggling with your insurance claims, Colorado Public Adjusters can help you. We specialize in dealing with insurance companies on your behalf for flood-related basement damage claims, ensuring you receive the maximum benefits from your policy. Our extensive experience makes them adept at effectively navigating the claims process. We have your back, whether it's help with adjuster paperwork or needing a patient and experienced listener.


Negotiating a basement-related flood damage insurance claim may feel complicated and overwhelming. However, employing Colorado Public Adjusters can make the process straightforward and effective. Here's an easy-to-follow guide outlining the Public Adjuster process. From a complimentary initial assessment to receiving payment from your claim, each phase guarantees meticulous and thoughtful handling of your claim, directed toward property restoration.

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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 Colorado residents experience flooding due to leaks or heavy rain, they commonly seek the assistance of a Public Adjuster. The destructive aftermath of such floods can significantly impact your residential property. The role of a Public Adjuster is to evaluate the extent of the damage, generate a comprehensive report, and oversee the insurance claim process. This approach ensures homeowners attain a just settlement to finance the necessary repairs.



Mold can thrive in a damp environment such as a flooded basement. Mold not only causes an unpleasant odor and ruins the appearance of your home, but it can also cause health issues such as respiratory problems and allergies. It is important to remove any standing water, dry out and treat the affected area to prevent mold growth.



This is the most common and obvious damage that occurs in a flooded basement. The water can seep into walls, flooring, and furniture causing extensive damage. If left untreated, it can lead to mold growth which can be dangerous for your health.



When water enters your basement, it can come into contact with electrical components such as outlets, wires, and appliances. This can result in short circuits, power outages, and even electrical fires. It is important to shut off the electricity to your basement immediately if it has been flooded.

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10 Flooded Basement Related Damage Claims FAQs

Popular Questions from Homeowners dealing with a Flood-Related Damage Claim

What kind of flood damage claim is most frequently encountered?

Flood damage claims are among the most common types of home insurance claims. They can occur due to various reasons such as heavy rains, overflowing rivers, or even broken pipes. However, the most frequent type of flood damage claim is caused by natural disasters, specifically floods.


What steps should be taken immediately after my basement gets flooded?

As soon as it is safe, start documenting the damage caused by the flooding. A public adjuster can offer guidance on the appropriate method for documenting the damage and provide advice on immediate actions to curtail further destruction.

What is the time limit for filing a claim for flood damage?

The duration for which you can file a claim depends on the stipulations of your policy. Public adjusters can help decipher these complicated terms and ensure that your claim is filed within the allotted timeframe.

Is it possible to contest a settlement offer for a flood damage claim?

Indeed, if you believe the insurance company's settlement is unfair, you have the right to challenge it. Public adjusters are your allies in this situation, negotiating with the insurance company to secure a just settlement.

What do I do if I discover additional damage after the insurance adjuster's inspection?

In case you identify more damage after the insurance adjuster's inspection, you can usually submit a supplemental claim. Public adjusters can be instrumental in spotting and documenting this extra damage and advocating for a comprehensive claim.

Who is a public adjuster, and why should I hire one?

A public adjuster is a proficient individual who represents the policyholder when appraising and negotiating an insurance claim. They offer expertise in interpreting policy terms and conditions, evaluating the damage, and brokering with the insurance company, likely leading to a quicker, fairer settlement.

Can the insurance company terminate my policy if I engage a public adjuster?

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

What should be my course of action if my flood damage claim is refused?

In case your claim is rejected, a public adjuster can scrutinize the reasons for denial, assist in procuring the requisite documentation, and act as your representative during appeals, thereby heightening the probability of a favorable result.

Does my insurance cover the fees for a public adjuster?

While insurance typically does not provide for public adjuster fees, many adjusters operate on a contingency basis, implying they get paid only if you get a settlement. Their expertise often results in larger settlements which can compensate for their fees.

In what ways can a public adjuster be helpful with flood damage claims?

A public adjuster can be of great assistance with flood damage claims in multiple ways. By utilizing their expertise in damage assessment, policy interpretation, and negotiation with insurance companies, they can ensure the submission of comprehensive claims and potentially larger settlements. Plus, they can offer guidance and moral support throughout the entire claims process, reducing the policyholder's stress. Hence, it is advisable to consult with a public adjuster when handling claims related to flood damage.

“I recently had  “Home Safe Claims” do a 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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