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Commercial Water Damage Claims: What You Need To Know

Written by admin on November 25, 2022 at 12:11 PM.

Much like homeowners, business owners are subjected to the same complicated claims process by insurance companies. This is especially true of commercial water damage claims. Let’s explore what you should know about them. 

Commercial property Water Damage

The effects of water damage can be greatly detrimental to your business. Depending on the amount of damage done, business owners may need to cease business operations for an extended period of time in order to have the damage repaired. You can do the math easily, this means no incoming revenue, continued employee payments, and cost of commercial water damage restoration & repair. This can be truly damaging to the health of a business. 

The size and structure of commercial buildings, the extent of damage, the varying uses of space, and the number of occupants all affect the restoration process. The larger the commercial property, the more businesses are located there, and the more complicated it gets. 

Types of Water Damage

Commercial buildings are susceptible to many of the same water hazards as homes, only in some cases, it might even be more severe. It’s important to take into account the source of water damage. If you have any questions or concerns about your coverage, contact your insurance provider immediately. 

  • Natural Disasters
  • Leaky Roofs
    • The cause of the roof leak damage is a determinant of whether the damage will be covered or not. Damage from falling objects, snow and hail, as well as vandalism, are likely covered. However, cases caused by neglect, wet rot or mold growth, and rodents are not covered by most insurance policies. 
  • Plumbing Failures
    • Commercial properties typically see more foot traffic than residential buildings, so things like toiletry, plumbing, and the HVAC system are used more heavily. This can cause them to wear out quicker and lead to things like broken pipes and other plumbing leaks. These are covered by most insurance plans. 
    • If the commercial building is in a cold location, burst pipes are also a hazard. This occurs when water freezes inside the pipes and expands. This causes the pipes to rupture. Burst pipes are covered by most insurance policies. 
  • Mold Growth
    • Mold damage can begin within 2-3 days from initial water damage. Mold growth is usually covered when it was caused by a “covered peril” and not exclusions like neglect. 
    • Mold growth is especially dangerous as people exposed to it can suffer from negative health effects, such as irritation to the eyes, nose, throat, lungs, and skin. It has even worse side effects for people with asthma or other issues. Mold remediation and prevention are absolutely imperative. 

What To Do When You Experience Commercial Water Damage

Commercial water damage is one of the most frequent and expensive claims businesses face. Here are some steps you should take if you ever experience it.

  • Identify causes of water damage.
    • Water leaks can happen in many places. Some common areas to check are pipes or holes in your roof and walls. You can also work with a local plumber to help identify the source.
  • Shut off the water, if possible.
    • If the leak is coming from a pipe, you have the ability to shut off the water to prevent further damage. 
  • Contact your insurance company.
    • File a commercial water damage claim with your insurance company. Notify them about the water damage as soon as possible. Document ALL damage with photos.
  • Get a public adjuster.
    • Unlike insurance adjusters, we advocate for you, not the insurance companies. When it comes to commercial water damage cases, Public Adjusters will fight for you to get what you deserve.
  • Find a water damage restoration service. 
    • Your insurance company can help find a company specializing in commercial water damage repair. If the damage is severe, they may be able to help with water extraction and mold remediation as well.

How To Avoid Commercial Water Damage

Here are some tips to help avoid the risk of water damage in commercial properties:

  • Regular Maintenance: Regular maintenance of plumbing and HVAC systems can help prevent leaks and other issues that can lead to water damage. This includes checking pipes, valves, and fittings, and making sure they are in good working condition.
  • Install Water Detectors: Installing water detectors can help detect leaks and other water issues before they become a major problem. These devices can alert building owners and maintenance staff when water is detected, allowing them to respond quickly and a water damage.
  • Address Roof Issues: Leaky roofs are a common cause of water damage in commercial properties. Regular inspections of the roof and repair of any cracks or other damage can help prevent water from protect the building from water intrusion.
  • Use Waterproofing Materials: When remodeling or renovating, it is important to use waterproof materials to protect against water damage. This includes materials for floors, walls, and roofs, as well as for electrical and plumbing systems.
  • Prepare for Flooding: Properties in areas prone to flooding should have plans in place for responding to flood emergencies. This includes sandbags, pump systems, and other measures to prevent water from entering the building.
  • Train Employees: Employees should be trained to recognize and respond to water damage, including how to turn off water and electricity and how to evacuate the building safely.
  • Insurance: It is important to have comprehensive insurance coverage to protect against the costs of water damage, including both the cost of repairs and the cost of lost business.


Commercial Water Damage Claims

Get Help With Commercial Water Damage Claims from Stellar Public Adjusters

You should do your best to protect your business from the likelihood of water damage, but accidents do, unfortunately, happen. If you have suffered from commercial building water damage, contact Stellar Public Adjusters to help maximize your payout. 

If you’ve recently filed a commercial water damage claim, contact Stellar Public Adjusters. Our experts are here to help you through the entire process of insurance claims! Use our web form to contact us today. If you have an urgent problem that requires immediate assistance, call our office at 305-570-3519. We are open 24/7!  

What Clients Are Saying About Us


Vanessa R.

Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.

Vanessa R.


HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!


Philip O.

Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had – and they reached a fair settlement with my insurance for me. I probably wouldn’t have gotten half of what I did without them! I’d easily recommend them to anyone needing a Public Adjuster.

Philip O.

Nicholas P., Miami Beach, FL

Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.

Nicholas P., Miami Beach, FL

Yossi K., Brooklyn, NY

David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.

Yossi K., Brooklyn, NY

Marc C., Miami, FL

I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them. The insurance company is not on your side and they are not a good neighbor.

Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.

Marc C., Miami, FL

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