Two claims inside one
Every water loss is really two jobs. First comes mitigation: extraction, demolition of wet materials, air movers and dehumidifiers, antimicrobial treatment. Then comes reconstruction: drywall, insulation, cabinets, flooring, paint and trim. Carriers frequently challenge both — trimming drying days on the mitigation invoice, then limiting the rebuild to the exact area that was cut out.
What we review
- Moisture logs and drying records to confirm equipment counts and days were reasonable under industry drying standards.
- Category and class of water, which affects what can be dried in place versus removed.
- Continuous flooring — hardwood, LVP and tile that run through multiple rooms and cannot be patched invisibly.
- Cabinets and countertops where lower cabinets are damaged but uppers and tops cannot be matched or detached without breakage.
- Contents manipulation — pack-out, storage and reset charges.
- Mold remediation sub-limits and whether they actually apply to the work performed.
Coverage questions come first
Water claims hinge on wording: sudden and accidental versus long-term seepage, interior plumbing versus groundwater, overflow versus flood. Appraisal values covered damage; it won’t fix a denial based on “repeated leakage.” We identify those coverage issues early and tell you if a Georgia attorney is the better first call.
Frequently asked questions
The carrier cut my mitigation company’s invoice. Can appraisal help?
Yes, if the dispute is about the amount — how many days, how much equipment, what rates. Your mitigation company’s logs and photos are the core evidence.
Do you handle flood insurance claims?
Flood policies (NFIP or private) have their own procedures and appraisal terms. We can review them, but this page focuses on water damage under homeowners and commercial property policies.
Is matching flooring in other rooms covered?
That depends on the policy and the circumstances. We document why patched flooring would not produce a reasonably uniform appearance and let the panel weigh it.