Water and Fire damage are the most common claims. Each with its specific evaluation, estimating and negotiating techniques. How well these evaluation techniques are managed will decide the recovery amount.

Water Damage Includes:
1. Pipe breaks
2. Undiscovered or hidden leaks
3. Overflows

Fire and Smoke Damage:
1. Direct contact
2. Collateral smoke and in a timely manner.
2. Evaluate direct and collateral damages.
3. Negotiate to full extent of the policy.