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Filing Commercial Insurance Claims for Townhouses

Last updated October 25, 2026

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The short answer

Document the Damage First

Before you touch anything, grab your phone and take clear photos and videos of every water-affected area. Capture the source of the leak, standing water, wet drywall, soaked flooring, and any personal belongings. This visual record is your evidence, so be thorough and do not rush.

Make a written list of damaged items, including approximate purchase dates and values if you know them. Keep receipts for any temporary repairs you make, like placing a bucket under a drip. This documentation helps your insurance company understand the scope of the loss, but remember that your policy decides what is covered.

Prevent Further Damage

Your first priority is to stop the water and minimize additional harm. If a pipe burst, shut off the main water valve. If you have a roof leak, place a tarp over the area if it is safe to do so. Move valuable items to a dry spot and mop up standing water where you can.

Taking these steps is important because it protects your property and shows you acted responsibly. However, do not attempt major demolition or throw away damaged items until your insurance company has had a chance to inspect them. If you live in Frisco, keep your shutoff valve location written down for future emergencies.

Review Your Policy and Contact Your Insurer

Read your commercial policy carefully to see what perils are covered, such as burst pipes, roof leaks, or flooding. Note any exclusions or deductibles that apply. Policies vary, and your insurer decides what is covered. If you have questions, call your insurance company directly for clarification.

Once you have a clear picture, file your claim as soon as possible. Provide the photos, videos, and your written list. Be honest about the damage and the cause. Your insurer may send an adjuster to inspect the property, so keep the damaged areas intact until that visit happens.

  • Take photos of the water source and damaged walls
  • Record a video walking through every affected room
  • List each damaged item with its approximate value
  • Keep receipts for emergency purchases like fans or tarps
  • Do not throw away damaged items until approved
  • Note the date and time the leak started

Work with the Pros for Cleanup

After your claim is filed, you may need professional help to dry out the space and prevent mold. Local water damage pros can extract standing water, dry structural materials, and remove damaged drywall or flooring. They focus on making the environment safe and ready for repairs.

Hiring the pros is not required by every policy, but it can speed up recovery. Their work often includes structural drying and dehumidification to prevent secondary damage. Keep records of their invoices and share them with your insurance company if the policy covers such services.

Track the Claim Process

Keep a folder with all claim-related documents, including your policy, photos, lists, and correspondence with your insurer. Note the date you filed and any reference numbers. Follow up with your insurance company if you have not heard back within a reasonable time.

If you disagree with a coverage decision, you can ask for a review or consult a qualified attorney. Do not delay repairs that could worsen the damage, but get written approval before making permanent fixes. Your goal is to restore your townhouse while protecting your financial interests.

Water damage does not wait

Call (469) 535-6935 any time, day or night, and describe what happened.

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Frequently asked questions

What should I do immediately after water damage in my townhouse?

Stop the water source if possible, like shutting off the main valve. Take photos and videos of everything. Move valuables to a dry place and mop up standing water. Do not throw away damaged items until your insurance company inspects them.

Does my commercial policy cover water damage from a burst pipe?

It depends on your specific policy. Burst pipes are often covered, but flooding or sewer backup may not be. Read your policy documents and contact your insurance company to confirm. Policies vary, and your insurer decides what is covered.

Can I hire a professional to dry out my townhouse before the adjuster visits?

Yes, but check your policy first. Some policies may cover emergency mitigation costs. Keep receipts and document all work done. The pros can extract water and set up dehumidifiers, but do not start major demolition without approval.

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