• Water Damage and Insurance Coverage

    working-with-insurance-regarding-water-damages

    Do Restoration Companies Work with Insurance Companies?

    Restoring your home after a disaster can be frustrating. It requires expertise, patience, and a lot of diligence to clear the mess. Water damage is a largely common occurrence of disasters.

    Fortunately, many restoration companies can guide you through the entire process. It doesn’t matter whether you are trying to recover from floods, fire, mold, or any other trauma, these companies will come in handy. 

    However, you should always check whether your preferred restoration company works with insurance companies before entering a contract. This way, you’ll be sure that your insurer will pay for the restoration work.

    What are Restoration Companies?

    After a disaster, homeowners are left devastated. As such, they need help to clean up, repair, and restore their home to their original state – if not better. 

    This is where restoration companies come in. They help you to recover from your loss fast while preventing further loss. 

    As such, many insurance companies will work with such companies to prevent further damage and mitigate losses. For example, the Classic Restoration Company in Florida is renowned for its cooperation with insurance companies to help homeowners recover from calamities fast. Fire, mold, or water damage, they’re equipped to handle it.

    How to Work with Insurance and Restoration Companies to Fix Water Damage

    When a disaster strikes at your home, you should be agile to ensure that everyone is safe. After you’re sure that your household members are safe, you should contact a disaster relief team and your insurer the quickest you can.

    Always remember that taking too long before communicating will lead to more damage and a complicated repair process, especially in incidences of water damage. Here is a step-by-step guide on how you should approach your insurance company for a claim:

    • Call a Disaster Relief Team

    While many people prefer starting with their insurance company, it’s prudent that you first call a relief team to assess the damage. Additionally, the team will institute measures to prevent further damage to your valuables. 

    • Gather Evidence of Damage 

    If you want your claim to be successful, you must prove that the loss originated from the insured risk. As such, you should gather all the evidence you can to back your claim.

    One of the most viable approaches is to gather evidence by use of video clips and photos. Always ensure that you work closely with a disaster relief team to get the best evidence. 

    • Call Your Insurance Company

    The question that lingers in the minds of many homeowners during disasters is whether they are covered for that specific loss. While this is a genuine concern, you shouldn’t beat yourself over it. Instead, you should call your insurance company soonest you can seek for all the details of your policy. 

    If your home is destroyed entirely, the insurance company will reimburse your living expenses. However, you’ll need all the receipts or any other admissible proof of payment to benefit from the reimbursement. 

    • Choose Your Restoration Company

    Many insurance companies have a list of their restoration companies. However, you have the right to choose your preferred restoration company without coercion. 

    Always ensure that you get a company with certified staff, unwavering support, and fast response. If possible, you should work with one company from the beginning to the end. This way, they will help you to get the right compensation from your insurer. 

    Bottom Line When it Comes to Water Damage

    If you have just experienced a disaster in your home, you shouldn’t freak out. Instead, you should call a reputable restoration company (such as the Classic Restoration Company in Florida) to help you assess the damage.

    Also, you should gather evidence and call your insurance company to make a claim. After the assessment, your insurer will give you the leeway to engage a restoration company to restore your house while preventing further damage. 

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