Insurance Claims Can Be Stressful – We Can Help!
Video Transcript
A lot of homeowners assume when they have an insurance claim that it’s an easy given process to follow the claim through and adjust the loss. And my experience is quite often times, that’s true. But as many as often as 30 or 40% of the time, it’s very inconsistent and the outcome can be very, very different.
It’s not a given. It’s not black and white and homeowners if they are not extremely knowledgeable themselves and in a position to know what could and should happen. The process and advocate for themselves, then things can go very wrong. And oftentimes the homeowners won’t even realize that it could have or should have been different.
They just think it what is is what is? And and just accept it. You need to hire someone of your own choosing not an insurance company’s preferred vendor that’s loyal to the insurance company. And someone that’s in a position to help look out for your interests, advocate for you if necessary and help the process along because the adjusting process is not black and white and is anything but consistent.
Stressful Insurance Claims Can Be Avoided
When you’re faced with dealing with water damage in your home, the last thing you probably want to think about is insurance claims. Even though it might feel like an afterthought, however, you must follow the procedures most carefully. If you don’t handle a claim correctly or deal with the adjuster promptly, you could be faced with thousands of dollars in charges for the damage done to your home, and significantly more if mold starts growing.
Good steps to take when dealing with insurance claims for water damage:
-Call a professional water damage cleanup company to start the remediation process first. Call your insurance company as soon as possible after contacting a professional and make sure they’re aware of all the details surrounding what happened.
-Take photos of everything that needs to be covered by your policy—anything that has been affected by water, even if it seems small or insignificant at first glance—and keep all your receipts for any repairs or replacements you have to make.
While any kind of water damage is stressful, dealing with a water damage insurance claim can be especially overwhelming. You probably already know that you’re entering into a battle of the paperwork when you call your insurance company to file a claim—if you don’t have all the required documents and receipts, it’ll be difficult to get your claim approved. The Flood Co. will work with your insurance company so you don’t have to.
You might be surprised to learn that your insurance company has an agenda that’s at odds with your own. What could it be? Well, a business’ first goal is to make money. Insurance companies are no different. The fact is that they’d rather pay out as little as possible in claims while still earning a profit on the premiums paid, which means they’re always looking for ways to avoid paying out more than they have to. They try to do this by encouraging customers to act in a certain way—in this case, immediately calling a plumber after any water damage happens so the claim can be processed faster. But here’s the thing: you don’t need to contact a plumber right away after a water event! Let’s think about what happens when water causes damage:
-You notice water damage
-You call your insurance company and tell them about it
-They send an adjuster out to inspect things
-The adjuster gives you an estimate of costs
-Depending on the outcome of negotiations with the insurance company, you call a plumber or choose not to and deal with the problem yourself.
This is the wrong approach. The insurance company wants to avoid any further damage to the property. The longer water sits, the more damage is done. You should call a water damage restoration professional right away.
If you call your insurance company right away after you have a water damage event, they will often be able to send out their “water restoration team” that same day. These guys work with the insurance company and do not have your best interests at heart. They want to save the insurance companies as much as possible. This is why it is important to select your water damage restoration professional. Someone who is looking out for your best interests.
If you’re looking for a team of professionals who are ready and willing to help, give us a call. We’ve been helping Northern Utah get back on its feet after water damage for years, and we’d love to add your name to our list of satisfied customers!
We have the tools and know-how to get your home back to normal quickly and efficiently, which makes them a great option for anyone who’s been affected by water or flood damage.
If you live in Northern Utah and you have insurance claimed disaster, we at The Flood Co. can help. Call us at 801-294-7452. 24/7 emergency service available.
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