When Water Disrupts Your Life, We’re Here to Help You Recover
Water damage doesn’t wait, and neither should you. Whether it’s a slow leak, sudden pipe burst, appliance failure, or storm-related flooding, the impact can be extensive and long-lasting. Left unaddressed, water damage can lead to mold, structural issues, and costly repairs that insurers may try to downplay or deny.
At Chris Faber Public Adjusters, we help homeowners and business owners across California navigate water damage claims with clarity, urgency, and compassion. Chris and Jo personally manage every claim, using over 50 years of combined experience to ensure nothing gets missed and you’re not left to fight the process alone.
Who We Help
Chris and Jo Faber’s experience helps clients navigate a wide range of water damage challenges, from sudden leaks to complex multi-unit losses.
Homeowners
Dealing with pipe bursts, appliance leaks, roof damage, or flood intrusion can leave you overwhelmed. We help homeowners document damage thoroughly, navigate exclusions and coverage limitations, and get the support they need to protect their home and family.
Business Owners
When water damage interrupts your operations, timing matters. We assist business owners in recovering lost income, replacing damaged equipment, and filing claims that reflect the full scope of the impact, so you can reopen with confidence.
Landlords
Multi-unit and rental properties come with unique insurance challenges. We guide landlords through every step, ensuring damage to building systems, tenant spaces, and habitability issues are properly claimed and resolved.
Did you Know: Even small delays or wording errors can cause water damage claims to be underpaid or denied. A licensed public adjuster can step in early, help document everything properly, and communicate directly with your insurer to improve your outcome.
Water Damage Claims Are Often Mishandled
Insurance companies may appear responsive at first, but many water damage claims are mishandled due to shortcuts, exclusions, and vague assessments.
Here are four of the most common tactics companies use to reduce payouts, along with how we help counter them:
Undervalue cleanup and restoration costs
Insurers often rely on outdated pricing or generic software estimates that don’t reflect the actual cost of labor, materials, or specialized restoration. We provide detailed documentation and work with trusted professionals to present accurate repair costs.
Deny coverage based on “maintenance issues” or “gradual damage”
One of the most common reasons for denial is labeling water damage as a pre-existing issue. We review your policy language carefully and build a timeline of the event to prove when and how the damage occurred, and why it should be covered.
Overlook mold, rot, or structural compromise
Hidden damage behind walls, under floors, or within insulation is easy to miss in a rushed inspection. We advocate for thorough assessments to make sure long-term risks like mold growth and structural weakening are fully addressed in your claim.
Push quick settlements before all the damage is found
Fast offers may seem like relief, but they often fall short of what’s truly needed. We slow down the process just enough to ensure the full scope of damage is evaluated, helping you avoid costly surprises down the road.
Did you Know: Once you accept a settlement, you may lose the right to claim additional damage later. Having a licensed public adjuster involved early protects your options and gives you the leverage to negotiate from a position of strength.
What We Do in a Water Damage Claim
Thorough Damage Assessment
We identify both visible and hidden damage—beneath flooring, behind walls, and within insulation—to ensure the full extent is documented.
Cause and Coverage Clarification
Not all water damage is covered the same way. We help determine the cause and how it applies to your specific policy, whether it’s a sudden burst pipe or a slow leak.
Policy Review and Claim Filing
We analyze your policy to confirm coverage, handle all communications with the insurance company, and manage every part of the claims process for you.
Temporary Housing and Expense Support
If water damage makes your property unlivable or disrupts your business, we help secure coverage for relocation, lost income, and additional living expenses.
A Team That Stays With You Through Every Step
Water damage claims often unfold in phases, including immediate cleanup, discovery of deeper damage, temporary housing needs, and contractor disputes. Chris and Jo stay involved from start to finish, providing experienced guidance, detailed documentation, and compassionate support when you need it most.
What to Do After Water Damage: Expert Tips
If your property has been affected by water damage, here are key steps to protect your health, safety, and insurance claim:
1. Stop the Source
(If Safe)
Shut off the water supply or address the source of the leak as soon as possible to prevent further damage.
2. Document Everything
Take clear photos and videos of all affected areas, including walls, floors, ceilings, furniture, and personal items. Don’t forget to document the source and any safety concerns like mold or standing water.
3. Don’t Discard Damaged Items Right Away
Keep damaged belongings on-site (if safe) until they’ve been reviewed and documented. Removing them too early may weaken your claim.
4. Track Expenses
Save receipts for fans, dehumidifiers, emergency services, hotel stays, meals, or other displacement-related costs. These may be covered under your policy.
5. Request a Copy of Your Policies
Ensure you have access to the full policy—not just the declarations page—so we can help you identify all potential coverage.
6. Contact a Public Adjuster Early
Before cleanup begins or you sign off on any settlement, reach out. We can help protect your interests and prevent undervaluation.
Get Help With Your Water Damage Claim
Don’t let insurance companies dictate your settlement. With over 50 years of combined experience, Chris and Jo Faber are here to help you get the compensation you deserve. Contact us now for a free, no-obligation review of your home insurance claim and take the first step towards protecting your home and peace of mind.
Contact Us To Get StartedFAQs
Not necessarily. Most policies cover sudden and accidental water damage (like a pipe burst), but exclude gradual issues caused by ongoing leaks or lack of maintenance. We’ll review your policy to clarify exactly what’s covered and what can be challenged.
Take photos or video of the damage right away. If it’s safe to do so, stop the source of water and protect undamaged belongings. Then contact us before starting cleanup. We can help you preserve important documentation and avoid mistakes that could hurt your claim.
Yes, but it’s best to get help as soon as possible. We can still step in to review documentation, identify missed damage, and help recover costs you may have already incurred.
Mold coverage varies widely. Some policies include limited mold remediation; others exclude it. We’ll help determine your eligibility and advocate for proper remediation if it’s tied to a covered event.
It depends on the complexity of the damage and how cooperative your insurer is. We work to keep the process moving while making sure no detail is overlooked.
Quick offers are often based on surface-level inspections and don’t account for long-term or hidden damage. Let us review the estimate for free before you accept—it may be far below what you’re truly owed.
