Why Water Losses Are Underpriced
1. Moisture Travels Further Than Adjusters Document
Water moves under floors, behind walls, and into framing. Adjusters often rely on visible damage instead of moisture mapping.
2. Missing Dry-Out Labor & Equipment Time
Drying requires multiple days of equipment, monitoring, and documentation. Adjusters routinely shorten equipment time or skip monitoring.
3. Overlooked Secondary Damage
• Swollen trim
• Delaminated cabinets
• Warped flooring
• Microbial growth requiring specialized cleaning
These items often show up after the adjuster writes the estimate.
Key Water Loss Items Adjusters Undervalue
• Baseboard removal/replacement
• Vapor barrier replacement
• Trim matching
• Cabinet toe-kicks
• Undercutting drywall
• Crawlspace drying
• Floor leveling
• Debris removal
• Material delivery & protection
Hidden Moisture Costs Carriers Skip
• Running containment
• HEPA filtration & negative air
• Cleaning surfaces after equipment removal
• Disinfectant application
• Temporary plumbing reconnections
These are standard industry practice—but rarely included automatically.
How to Request Corrected Pricing
1. 2. Ask your contractor for a detailed scope.
Compare your adjuster’s estimate line-by-line.3. Highlight missing or mismatched items.
4. Request a supplement with clear justification.
Need help with this?
Book a strategy session and we’ll walk you through it step-by-step.
