Sudden discharge is usually covered. Long-term seepage usually is not.
When a homeowner calls a carrier about a wet basement, the first question is always the same: what caused the water. The answer drives coverage. We do not write coverage opinions, that is the adjuster's job, but we do provide the technical determination of cause that adjusters use to make the call.
A sump pump that failed mid-storm and let groundwater in is a different file than a stain line that has been creeping up the wall for two years. We document both honestly, with photos, soil observations, and the specific evidence pointing to one cause or the other.
What WPNE delivers on a claim file.
- Site inspection with cause determination. On-site walkthrough by a crew lead. Photos of evidence, soil and grade observations, sump and discharge condition, stain patterns. Written summary of the most likely cause.
- Source-fix scope with itemized line items. What it would cost to address the cause so the loss does not recur. Line items the carrier's estimating software can match.
- Plain-English explanation for the homeowner. A version of the report the policyholder can actually read, so the claim does not get re-litigated through customer-service calls.
- Coordination with restoration. We do not compete on cleanup, dry-out, or contents. We work alongside the restoration company so the source gets fixed once the moisture is out.
- Re-inspection on disputed determinations. If a homeowner disputes the carrier's coverage decision and asks for a second opinion, we will come back, look again, and document what we see.
Scope language that survives review.
We write the scope the way an adjuster wants to read it: cause first, fix second, line items that match the estimating software, no vague labor categories.
| Typical contractor scope | What we write for adjuster files | |
|---|---|---|
| Cause statement | Often missing or generic | Specific: failed pump, hydrostatic seepage at footing, etc. |
| Line items | Lump sum or vague categories | Itemized by component and unit, software-friendly |
| Photos | After photos only | Before photos with timestamps, evidence-focused |
| Exclusions | Buried in fine print | Explicit: what is preventive vs claim-related |
| Warranty language | Variable | Lifetime transferable, in writing, in the file |
The carrier's adjuster does not need a marketing brochure. They need a scope they can defend if the claim is reviewed. We write toward that audience.
What goes in the file.
- Timestamped CompanyCam project file with before photos of every affected area
- Inspection summary, 1 to 2 pages, plain English
- Itemized source-fix scope as PDF
- Certificate of insurance with additional-insured endorsement, if the carrier requires it
- Lifetime transferable warranty document for the work performed
- Post-completion photos and signed completion certificate
Everything is delivered by email in formats that drop straight into the carrier's claim system. If your team needs a different format, tell us once and we will match it.
Fast-track timeline.
If you are working a file with a deadline, mention it in the first email and we will work around it. We know that an adjuster sitting on an open claim is paying interest and policyholder frustration, and we do not waste your time.
Andrew, Owner / Operator
Adjuster files come straight to me. No call center, no triage layer.