--- title: Insurance, Las Vegas | Nevada Water Damage url: https://nevadawaterdamage.com/insurance/ business: Nevada Water Damage phone: (702) 213-9556 address: 3011 S Valley View Blvd, Las Vegas, NV 89102 hours: Open 24 hours, 7 days --- - [Home](https://nevadawaterdamage.com/) - Insurance Insurance # Water, mold and fire insurance claims, explained We work with all major insurance companies and bill them directly. We document the damage with photos, moisture readings and a written scope, and we walk you through each step so you are not left chasing your claim. [Call (702) 213-9556](tel:+17022139556) [Text a photo](sms:+17022139556) 24/7/365 answered day and night IICRC #261729 certified firm Licensed & insured in Nevada 5.0 ★ Google 33 reviews Insurance ## Everything in this section [How insurance claims work Filing a claim after water, mold or fire damage generally follows five steps: document the damage, open the claim with your insurer, have an adjuster inspect the property, review the scope and estimate, and complete approved repairs. Nevada Water Damage documents every stage with photos, moisture readings and a category assessment and bills most major insurers directly, though every policy and claim is different.](https://nevadawaterdamage.com/insurance-claims/)[Save your deductible We can save your deductible this month. Ask us how.](https://nevadawaterdamage.com/save-your-deductible/)[Working with your adjuster An insurance adjuster's job is to inspect the damage, verify the cause and compare what they find against your policy to determine coverage. You can speak with the adjuster directly, and we can meet them on site to walk through our documentation, but the adjuster works for the insurance company, so keeping your own photos, notes and restoration company's records is how you protect your side of the claim.](https://nevadawaterdamage.com/working-with-your-adjuster/)[Insurance companies we work with Nevada Water Damage works with all major homeowners and commercial insurance carriers, documents every claim the same thorough way regardless of who your insurer is, and bills most companies directly for approved work whenever your policy and claim allow it. We do not represent any single insurer, so our documentation is built to hold up with whichever carrier you have.](https://nevadawaterdamage.com/insurance-companies/)[Is water damage covered? Most homeowners policies cover water damage that is sudden and accidental, such as a burst pipe or a failed water heater, while damage from a slow, long-term leak or ordinary wear and tear is often excluded. Flood damage from outside water, such as rising water or flash flooding, is typically excluded from a standard homeowners policy and requires separate flood insurance.](https://nevadawaterdamage.com/is-water-damage-covered/)[HOA & property managers Nevada Water Damage works with HOA boards, community managers and commercial property managers across the Las Vegas valley on water, mold and fire damage that affects common areas, multiple units or tenant spaces. We document everything to support master-policy and commercial claims and coordinate scheduling around residents, tenants and building operations.](https://nevadawaterdamage.com/hoa-property-managers/) Questions ## Straight answers ### Do I have to use the restoration company my insurance company recommends? No. Your policy generally lets you choose your own restoration company; check your policy or ask your agent. We work with all major insurance companies and bill them directly whenever your policy and claim allow it, so working with us does not typically change how the claim itself is handled. ### What does "save your deductible this month" mean? It means our team will explain, on the phone with your policy and claim details in hand, how this month's offer can apply to your specific situation. Because every policy is different, we do not describe it the same way for every homeowner until we have looked at yours. ### Do I have to be present when the adjuster inspects my home? It is not always required, but being present, or having us present, lets someone point out damage the adjuster might otherwise miss, such as moisture inside a wall cavity or under flooring. If you cannot be there, ask whether we can meet the adjuster on your behalf. ### Do you work with my specific insurance company? We work with all major insurance companies serving Nevada homeowners and businesses. Call us with your carrier's name and we can tell you what to expect from our side of the process. ### Is a burst pipe covered by homeowners insurance? In most cases, a sudden pipe burst is treated as sudden and accidental damage and is commonly covered, subject to your specific policy's terms and deductible. Read your policy or ask your agent to confirm how your policy treats it. ### Who is responsible for water damage in a condo, the owner or the HOA? It depends on where the damage occurred and what the association's governing documents and master policy say, since common areas and unit interiors are often covered by different policies. We document the damage by location so the board, the manager and each insurer have what they need to sort out responsibility. [All questions →](https://nevadawaterdamage.com/faq/)  ·  [Restoration glossary →](https://nevadawaterdamage.com/glossary/) 24 hours, 7 days ## Water where it should not be? Call now - we tell you what to do while we are on the way, and send the crew. Or leave your details and we call you in minutes. [(702) 213-9556](tel:+17022139556) [Text a photo](sms:+17022139556)