The damage you can see is a fraction of the loss.
We account for all of it.
A burst pipe, a failed water heater, a sudden roof or storm intrusion. Water finds its way into walls, floors, and everything behind them. The hidden damage is exactly what gets underpaid, because it's exactly what's easiest to leave out of an estimate.
Water losses look deceptively simple. A wet floor gets dried, a stain gets painted. The real loss is behind the walls.
Moisture wicks into framing, insulation, subfloors, and cabinetry. What dries on the surface can be saturated underneath, and what's saturated becomes structural damage and mold if it isn't found, opened, and properly remediated. An estimate written from what's visible will miss most of it. That's not cynicism; it's just how water behaves.
We document what your insurance company misses.
After a fire or a major water loss, you don't need a call center. You need someone who picks up the phone, comes to your property, and knows exactly what your claim is worth.
That's what AdjustFair is. We take on serious residential and commercial losses, the complex claims where the difference between handling it yourself and having someone document it properly can be tens or even hundreds of thousands of dollars.
We scan the property in 3D, build the estimate in Xactimate, and read your policy line by line for coverage you may never have been told about. Then we deal with the insurer so you don't have to.
A public adjuster does exactly what the insurance company's adjuster does. Same training, same tools, same software. Pointed in one direction: yours.
What a complete water claim actually includes
Loss of use
If the damage makes your home unlivable during repairs, your policy typically covers where you live in the meantime.
Mold remediation
When water sits, mold follows. Proper testing and remediation belongs in the claim, handled to standard, not minimized.
Contents
Furniture, rugs, electronics, stored items: inventoried and valued, not waved off.
Flooring, walls & finishes
Matching and continuity matter: when damaged flooring can't be matched, many policies owe more than a patch. We pursue the repair that actually restores your home.
Hidden & structural damage
Moisture mapping inside walls, under floors, and in ceilings below the loss. This is where the largest underpayments hide.
Source & emergency response
Plumbing repair, water extraction, and emergency drying: documented from day one so nothing is later disputed.
How we work a water loss
We document the full moisture footprint with 3D scans, thermal and moisture readings, and photographs of every affected assembly, then build the estimate in Xactimate so the scope is defensible line by line.
We review your policy for the coverage that applies to your specific loss, including the provisions nobody mentioned. Then we deal with the insurance company so you don't have to.
A note on size: we focus on serious water losses, not a minor leak, but real, widespread damage. If yours is small, we'll tell you honestly and point you in the right direction. The conversation costs nothing.
Serious water damage? Get the full scope on record.
Tell us what happened. We’ll map the full water loss and tell you honestly where your claim stands. Free, no obligation.
