98%
Success Rate
$10M+
Recovered
500+
Claims Managed
Free
Assessment
Common Water Damage Claim Issues
Water damage is often more extensive than initial assessments suggest. ClaimGuard identifies hidden and secondary damage that insurers miss or exclude.
Burst Pipes
Sudden burst pipe damage — insurers frequently dispute liability or scope of consequential damage.
Leaking Appliances
Dishwasher, washing machine or hot water system leaks causing subfloor and wall damage.
Roof Leak Ingress
Water ingress through roof causing ceiling, insulation and internal lining damage.
Mould Remediation
Mould resulting from water damage excluded or underscoped — often a significant cost item.
Subfloor Damage
Timber subfloor swelling, buckling or rotting as a result of water damage inadequately assessed.
Gradual Damage Disputes
Insurers incorrectly classifying sudden damage as gradual deterioration to avoid coverage.
When the Water Source Is a Balcony
Water damage appearing inside a home may sometimes originate from an external balcony or terrace. In these cases, the visible internal damage may only be the consequence of a broader building issue involving waterproofing, falls, drainage, thresholds, penetrations or deterioration within the balcony construction.
Where the problem extends beyond a simple maintenance repair, an appropriately qualified building contractor may be required to investigate and rectify the underlying cause. Melbourne homeowners dealing with this type of failure can learn more about builder-led balcony rectification from Brownlow Building.
Moisture Mapping
We engage specialist moisture assessors to identify the full extent of water infiltration — not just visible damage.
Mould Specialist Reports
Independent mould assessments to establish remediation scope and challenge insurer exclusions.
Like-for-Like Reinstatement
Full reinstatement scope prepared at true replacement cost, including matching materials and finishes.
Dispute Resolution
If the insurer disputes our findings, we escalate through IDR and AFCA with full expert backing.
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