Water Damage Can Cost Far More Than What You Can See.
Hidden moisture behind walls, under flooring, and inside structural materials is the most common reason water damage claims are underpaid. Bellmore documents the full scope — not just what is visible — and fights for every dollar your policy allows.
✓ Licensed and bonded. See license numbers
✓ Burst pipes, plumbing leaks, shower pan failures, flooding
✓ Hidden moisture and mold damage
✓ No upfront cost — we only get paid if we win
✓ Free claim review and inspection
Licensed & Bonded • No Upfront Fee • ★★★★★ Google Reviews •
Licensed & Bonded • No Upfront Fee •
★★★★★ Google Reviews •
Average Payout Increase of
747%
Average Payout Increase of
747%!
Average Payout Increase of
747%!
Leak or Flood. Big or Small. Water Damage Can Become An Expensive Claim
Insurance adjusters document what they can see. The damage inside your walls, floors, and framing is where most claims get underpaid.
What You See:
✓ Wet flooring or carpet
✓ Stained or bubbling drywall
✓ Damp baseboards or cabinetry
✓ Visible mold or discoloration
✓ Damaged appliances or fixtures
What Insurance Often Misses:
✗ Saturated insulation inside walls
✗ Moisture in subfloors and framing
✗ Hidden mold growth behind drywall
✗ Continuous building materials
✗ Structural damage
Insurance Adjuster vs. Bellmore Adjuster
Their adjuster works to minimize what the insurance company pays. Ours works to maximize what you recover.
Insurance Adjuster
✗ Identifies visible water damage
✗ Rarely inspects behind drywall and under floors
✗ Moisture readings are often not taken
✗ Mold may be noted but rarely tested
✗ Matching requirements are frequently excluded
✗ Settlement reflects what was seen, not what was damaged
Bellmore Adjuster
✓ Moisture readings taken
✓ Inspects behind drywall and under subfloors
✓ Documents hidden damage
✓ Mold risk and remediation scope
✓ Matching materials and labor documented
✓ Continuous materials and full replacement scope
Water damage claims involve three separate problems: the visible damage you can see, the hidden damage inside your walls, floors, and structural materials, and the continuous materials that need to reasonably match to bring your property back to pre-loss conditions. Standard insurance adjuster inspections focus on the visible damage. What is behind the drywall is often left out.
Mold is the most expensive consequence. Once mold is present, remediation costs can dwarf the original water damage claim. Bellmore documents moisture intrusion before it becomes mold — or documents mold damage that the insurer is trying to exclude.
Whether your damage came from a burst pipe, an appliance leak, a shower pan failure, or flooding, Bellmore knows how to build a thorough, well-documented claim that holds up through the negotiation process.
Water Damage Claims Are Complex — Insurance Companies Count on You Not Knowing That
Not Sure Which Route to Take?
After property damage, most owners have three options. Here is what each one actually means for your claim.
Handle the Claim Yourself
You manage every step of the claims process directly with your insurance company — no expert in your corner.
✓ No representation required
✗ Manage the claim yourself
✗ Document visible and hidden damage
✗ Track claim deadlines
✗ Negotiate against a professional
✗ Increased time and stress
Hire an Attorney
A property insurance attorney can represent you in disputes — particularly useful when a claim reaches litigation.
✓ Legal representation
✗ Higher fees – typically 33%
✗ Not trained to assess damage
✗ Longer resolution times
✗ May involve litigation
✗ Infrequent updates
Hire Bellmore Public Adjusting
We work exclusively for you — handling documentation, negotiation, and every interaction with the insurance company on your behalf.
✓ Fully assess the damage
✓ Manage the entire claims process
✓ Handle the negotiations
✓ No fees unless you get paid
✓ Keep you informed throughout
What Happens After You Reach Out?
From initial review to claim resolution, we guide you through every step of the process.
Free Claim Review
STEP 1
Tell use what happened and your claim status. We'll review your policy and claim.
01
Property Inspection
STEP 2
We evaluate the damage and identify areas that may require further attention.
02
Document Damage
STEP 3
We compile information needed to properly present your loss.
03
Claim Representation
STEP 4
We manage communication and negotiations throughout the process.
04
Resolution
STEP 5
We work toward a fair outcome so you can focus on moving forward.
05
Free Claim Review
STEP 1
Tell use what happened and your claim status. We'll review your policy and claim.
01
Property Inspection
STEP 2
We evaluate the damage and identify areas that may require further attention.
02
Document Damage
STEP 3
We compile information needed to properly present your loss.
03
Claim Representation
STEP 4
We manage communication and negotiations throughout the process.
04
Resolution
STEP 5
We work toward a fair outcome so you can focus on moving forward.
05
Water Damage Claims Are Complex –Insurance Companies Know That
Hidden Moisture Is Commonly Missed
Water damage behind walls, under flooring, and inside structural cavities is rarely captured in a fast insurance inspection. What gets missed becomes your problem — unless it is properly documented first.
The First Offer Is Not the Final Number
An initial settlement reflects what the insurance company documented — not necessarily everything your policy covers. You have the right to dispute it.
Deadlines Apply — But So Do Your Rights
Insurance policies have strict claim filing and supplemental claim deadlines. Missing them can limit your options. Acting quickly with proper representation protects them.
You Do Not Have to Navigate This Alone
A licensed public adjuster reviews your policy, documents what was missed, and handles every conversation with the insurer — at no upfront cost to you.
What We Do For You
From the first inspection to the final settlement — we handle everything while you focus on recovery.
Our expert adjusters inspect your property, take photos, measurements, and document every detail of the loss to ensure all of your property damage is accounted for.
We file your claim or submit all supplemental documentation if you already filed. Our licensed adjusters ensure every element of your loss is documented before a single negotiation begins.
We coordinate every insurance inspection, communicate directly with your insurer, and keep you informed at every step.
You don't have to deal with the insurance company at all — that's our job. We'll save you time, money, and stress.
We prepare a comprehensive estimate based on the full scope of work needed to get your property back to pre-loss conditions.
Leveraging the estimate, we negotiate directly with the insurance company to recover the maximum settlement your policy allows.
What Our Clients Say
"We flooded out from Hurricane Milton — a complete loss. Bellmore essentially handled everything from the initial assessment to final payments. They will maximize your returns and help reduce your stress. 100% totally happy with our results."
— Jeff B., Punta Gorda
"Our homeowner's insurance didn't cover the damage. Bellmore was persistent and obtained the pool company's insurance policy. The insurance company sent our claim to their attorney — Bellmore negotiated a settlement to get exactly what we needed. Truly a professional service, excellent communication, and a great outcome."
— Mehrshad Y., Maitland
"My insurance adjuster did a minimum to help me out. Another adjusting company refused, saying my
deductible was too high to work with. Bellmore showed up right away, quick communication, and best results. Now I have a new roof and lots of repairs paid by insurance that wanted to pay me $0."
— Mindaugas G., Bradenton
We negotiate with the insurance company on your behalf
Frequently Asked Questions
A. Filing a claim is your right as a policyholder. Whether your premium changes depends on your insurer and policy — not on hiring a public adjuster. Bellmore has no bearing on your premium at all.
A. Call us immediately. Even with work underway, Bellmore can document ongoing damage, review what was already found, and build a supplemental claim for anything that was missed in the initial assessment.
A. In many cases you can still dispute the settlement if additional damage surfaces or the original scope was incomplete. Time limits apply — contact us for a free review before assuming the claim is closed.
A. You can hire a public adjuster at any stage. We review what was filed, identify what was missed, and submit supplemental documentation. Many of our clients come to us after the first offer.
A. Nothing upfront. Bellmore works on a contingency fee a percentage of what we recover for you, regulated by the state. We have a fiduciary obligation to policyholders – your best interest is ours. If we do not recover more, you owe nothing.
Ready to talk? Call (844) 943-MORE
Water Damage Will Not Wait. Neither Should You.
Free inspection · No upfront cost · Licensed & bonded · New, underpaid, and denied claims
Or call us directly: (844) 943-6673
We will inspect your property, take photos, and measurements, and document every detail to ensure everything is accounted for.
We will file your claim for you or submit all supplemental documentation if you already filed.
