Rhode Island’s Most Trusted Public AdjusterS

Plumbing Insurance Claims Adjuster in Rhode Island

Accidents involving plumbing can occur in many different shapes and forms. The consequences can be challenging for homeowners, especially when handling insurance claims and coping with added expenses. Our goal is to make the insurance claim less stressful while getting you the most money possible. 

Request A FREE consultation

Accidents involving plumbing can occur in many different shapes and forms. The resulting damage is often significant whether the accident entails a faulty appliance, a burst pipe, a broken valve or a water heater disaster. The consequences can be challenging for homeowners, especially when handling insurance claims and coping with added expenses.

At Performance Adjusting, we understand what it’s like to deal with these types of situations. Our team is armed with more than 15 years of experience, and we promise to guide you through every step of the process. Our goal is to make the insurance claim less stressful while getting you the most money possible.

Does Homeowners Insurance Cover Plumbing Leaks?

Homeowners insurance protects your home and personal property against damage or loss from severe weather, leaking pipes and other types of water damage. Your policy will cover water damage caused by faulty plumbing if the break and damage were abrupt and didn’t accumulate over an extended period. Some examples of when homeowners insurance covers the damage might include:

  • Burst pipes: A damaged pipe is covered if the break was abrupt and not caused by neglect.
  • Accidental leaks: An appliance or accessory leak that caused sudden damage will fall under your policy.
  • Water damage from a fireWater from a sprinkler system or damage coming from a fire department’s hose is covered.
  • Roof leakA leak could result from heavy rain, hail or snow, but you must address the damage immediately so no subsequent harm occurs.


However, you might not have a successful insurance claim if a problem develops over time or improper maintenance causes the damage. Here are a few examples:

  • Damage due to lack of maintenance: Failing to promptly repair a problem or not properly heating your home during freezing temperatures do not apply.
  • Intentional acts: Someone causing intentional damage, like setting a fire or turning off the heat during winter, will not be covered.
  • Natural earthmoving disasters: Separate policies exist for disasters such as earthquakes, mudslides or landslides.
  • Floods or hurricanes: A separate flood insurance policy usually covers flood damage if your home is in close proximity to a body of water. A typical insurance policy has a separate deductible for “named storms” (i.e. hurricanes, tropical storms, etc.). This deductible is often $10,000 or more and can affect your claim settlement.
  • Drain or sewer damage: This category of water damage typically has a policy limit or may fall under a different type of insurance.
  • Sump pump failure: Backup systems are often the most effective insurance policies for sump pumps.


It’s important to remember that any plumbing damage not immediately addressed will almost always worsen both physically and monetarily. Regardless of the type of damage caused by your plumbing issue, you’ll want to reach out to the team at Performance Adjusting as soon as possible. We have the expertise and knowledge to produce a positive outcome.

Client Testimonials

How Performance Adjusting Can Help You

Performance Adjusting is a public insurance adjuster, meaning that we work for you and not your insurance company. Since we operate independently from your insurance company, it’s in our best interest to get you the most money possible in your claim. 

It’s always best to call us before contacting your insurance company to ensure a more effective outcome. We’ll simplify the entire process for you by handling all the necessary details. Here’s a step-by-step overview of our system:

policy review

We’ll look at your policy to determine how we can help you financially.


Should you need a temporary place to stay because of the damage, we’ll assist in finding you one.

on-site analysis

Using our expertise and advanced techniques, we’ll visit your property to prepare an estimate of the reparation costs and physical losses.

photo inventory

We’ll document the damage on your property to prove that our estimates are accurate.


We’ll deal with all the necessary communication with your insurance company.


We’ll continue fighting for you until the claim is final, earning you every dollar possible.

Only once we earn you the settlement you deserve do we take our 10% fee. 

You can reach us any day, any time. Request a FREE consultation, for your water damage insurance claim in RI and we will get right back to you.

Contact Performance Adjusting Today

To get the ball rolling with your insurance claim, call us at 401-724-9111 for a free consultation. We’ll walk you through all your options before the insurance company ever gets involved. Remember that we work for you, so our goal is to bring you the best possible outcome.

Frequently Asked Questions

Some insurance companies will try to minimize your claim by rewarding you with the smallest allowable amount. We'll help maximize what you receive.

If not addressed right away, damage from an overlooked plumbing issue can grow exponentially. The repair will ultimately cost more in the long run, and you might lose the coverage provided by homeowners insurance.

Several potential causes for a water pipe break include freezing, corrosion, clogs, high water pressure, soil shifting and tree roots.

The time of repairs depends on the extent of the damage. However, when you work directly with us, we will help you speed up the whole process. We partner with Rhode Island Restoration, a local restoration company. This allows us to deploy a team of restoration specialists as soon as possible.

Depending on your insurance type, we can help with a claim up to two years or longer from the initial date of the accident, even if it involves a settled claim.

Ready to Get More Money for Your Water Damage Insurance Claim?