Spring weather across Pennsylvania and New Jersey often brings heavy rain, wind damage, hail, flooding, and sudden plumbing failures. Unfortunately, many homeowners do not realize the full extent of the damage until weeks later — when mold growth, hidden moisture, warped flooring, or structural issues begin to appear.
At AAA Public Adjusters, we help policyholders throughout Pennsylvania and New Jersey properly document, value, and present their insurance claims to maximize recovery under their policy.
Common Spring Damage Claims We Are Seeing in 2026
This spring, many homeowners have experienced:
- Wind-damaged roofing and siding
- Water intrusion from heavy rain
- Basement flooding
- Sewer backups
- Hidden moisture behind walls
- Mold growth after water losses
- Tree damage to homes and garages
- Interior ceiling collapses from roof leaks
- Damage from failed sump pumps
- Hail-related exterior damage
Many of these losses become significantly worse when they are not properly dried and documented immediately after the event.
Why Insurance Companies Often Undervalue Claims
Insurance companies frequently prepare estimates that do not include all necessary repairs. In many cases, adjusters:
- Underestimate water migration
- Miss hidden moisture behind walls and flooring
- Exclude matching siding or roofing
- Limit mold-related repairs
- Fail to include code upgrades
- Reduce mitigation invoices
- Ignore overhead and profit
- Attempt to repair materials that should be replaced
In water damage claims especially, proper drying documentation and moisture mapping are critical. Industry standards such as the IICRC S500 often support broader drying and restoration efforts than what carriers initially approve.
The Importance of Proper Documentation
The success of a property insurance claim often depends on documentation.
Important evidence includes:
- Moisture readings
- Drying logs
- Photographs
- Drone inspections
- Plumbing reports
- Engineering reports
- Contractor estimates
- Mold testing
- Contents inventories
- Proof of prior condition
Without proper documentation, legitimate portions of a claim may be delayed, reduced, or denied.
What is a Public Adjuster?
A public adjuster works exclusively for the policyholder — not the insurance company.
AAA Public Adjusters handles:
- Insurance claim inspections
- Damage documentation
- Estimate preparation
- Policy review
- Communication with the insurance company
- Re-inspections
- Appraisal disputes
- Supplemental claims
- Denied claims
- Underpaid claims
Our goal is to help ensure that homeowners receive everything they are entitled to under their policy.
Don’t Wait Too Long
Many homeowners make the mistake of assuming the insurance company’s first estimate is final. In reality, additional damage is often discovered after demolition, drying, or contractor review.
If your claim has been delayed, underpaid, or denied, it may still be possible to reopen or supplement the claim.
Contact AAA Public Adjusters
If your home or business suffered storm, water, fire, smoke, or mold damage, contact us.
AAA Public Adjusters, LLC
105 W. Street Road
Feasterville, PA 19053
Phone: 215-364-4200
aaapublicadjusters.com
Serving Pennsylvania and New Jersey.
