Local claim risks
- River flooding (flood policy)
- Coastal wind
- Tree fall
- Ice dams
- Water damage
Insurance appraisal in Warwick often starts with a question about water. The March 2010 flood showed how far the Pawtuxet River can rise, and homes along the bay remember the surge from past hurricanes. Flood damage falls under a flood policy, not a homeowner policy, so we spend time separating wind and rain damage, which a homeowner policy may cover, from rising water, which it generally excludes.
Typical Warwick claims
- Roof and siding damage on exposed shoreline neighborhoods during nor’easters
- Trees down on houses and garages in older, wooded neighborhoods
- Ice dams on capes with finished upper floors and little attic space
- Basement and interior water damage from burst pipes or appliance leaks
Capes and ranches
Postwar construction is simpler to scope than a Victorian, but estimates still miss items: knee-wall insulation behind ice-dam leaks, the full run of matching siding or the second layer of roofing that has to come off.
Neighborhoods and villages we cover in Warwick
- Pawtuxet Village
- Conimicut
- Oakland Beach
- Apponaug
- Warwick Neck
- Gaspee Plateau
- Buttonwoods
- Cowesett
Housing in Warwick
Most of Warwick’s housing went up after World War II: capes, ranches and raised ranches on modest lots, with older cottages that became year-round homes near Oakland Beach, Conimicut and Buttonwoods, and larger waterfront houses on Warwick Neck.
Warwick storm history
- 1938 & 1954The 1938 hurricane and Hurricane Carol devastated the Oakland Beach shoreline.
- 2010The Pawtuxet River reached record levels in March, flooding homes and businesses in Warwick and Cranston.
- 2012Superstorm Sandy brought surge and wind damage to the Warwick shore.
- 2017An October nor’easter downed trees and power lines across Kent County.
Services available in Warwick
Every Rhode Island Insurance Appraiser service is available to owners in Warwick and nearby towns, including:
- Appraisal Clause Representation
- Homeowner Claim Valuation
- Commercial, Condo & HOA Claims
- Roof & Hail Damage
- Wind, Microburst & Tornado Damage
- Hurricane & Tropical Storm Claims
- Water Damage & Leak Claims
Questions from Warwick owners
Can appraisal resolve a flood claim?
Many flood policies, including those through the NFIP, have their own appraisal provisions with different rules. Your homeowner policy’s appraisal clause applies to covered homeowner losses, which generally exclude flood.
Do you work near the airport and Apponaug?
Yes. We inspect throughout Warwick.
My cape had an ice-dam leak. What gets missed?
Wet insulation behind knee walls, ceiling and wall finishes to a logical break, and damaged roofing at the eaves are the usual gaps.