Peril: Sudden and accidental tearing apart, cracking, burning, or bulging of a Steam or Water System

The sudden and accidental tearing apart, cracking, burning, or bulging peril covers unexpected damage to steam or water systems, such as boilers, water heaters, or HVAC systems, caused by internal failure. This peril applies to the repair or replacement of the damaged system and any resulting water damage to the home's structure or contents. In order to be covered, the damage must be unexpected and unintended. It does not cover wear and tear, corrosion, or maintenance-related issues.

AVERAGE COST PER SUDDEN WATER OR STEAM CLAIM: 

$11,650

(Experian, 2022)

About one in 60 insured homes has a property damage claim caused by water damage or freezing (Insurance Information Institute, N.D.).

Insurance policy types (forms) that cover this peril

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"Sudden and accidental tearing apart peril—oh, this one’s a spicy little drama queen! Picture your water heater or furnace going ‘BOOM!’ out of nowhere, like it’s auditioning for the next Fast & Furious movie. It’s all about those unexpected breakdowns, —no warning, no build-up, just pure chaos. But if your ‘accidental tearing apart’ is actually you taking a hammer to your HVAC because you’re mad at your thermostat? Yeah, nice try—that’s not covered."
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Public Adjusters at Tiger Adjusters are trained to create accurate and detailed property inspections to correctly account for all loss or damage.

Free property inspection

A sloppy inspection from your assigned insurance adjuster can cause your claim to be denied or undervalued.

Tiger Adjusters offers no-cost property inspections utilizing the latest technology to capture a full and accurate account of all damages.

Public Adjusters at Tiger Adjusters offer a free insurance policy review.

Complimentary policy review

Be honest — did you read the fine print of your insurance policy? 

When property damage occurs, our team reviews your policy and provides expert advice on a recommended course of action for your claim.

Public Adjusters at Tiger Adjusters are trained to create detailed loss estimates to file with an insurance claim.

Filing claim & All necessary paperwork

We create a detailed loss estimate and file your claim plus complete all the required  documentation.

It’s tedious work but when it comes to the value of your claim, the dollars are in the details! 

Public Adjusters at Tiger Adjusters  fully represent you in insurance carrier negotiations. We fight to recover all funds needed to cover your property damage.

Negotiating your claim

Tiger Adjusters fully represents you in negotiations with your insurance company. We review the carrier’s inspection report, estimate, and settlement offer to evaluate if you are being paid fairly. 

If not, we fight for funds for all covered damage so that you can repair and restore your property.

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