You may be aware of what a pain an insurance company can be when it comes to giving compensation to take care of your fire restoration or water restoration work. Most people are frequently shocked by the insurance company’s indifference in terms of awarding compensation.
You may have paid all your premiums on time and can expect the insurer to cut you a check in an effortless process. However, the reality is that they will try to make it as difficult as possible for you to get a fair settlement from them. The explanation for the difficult procedure is that insurance agencies are companies that make money. They profit from your insurance premiums and generate losses when they pay out compensation to you. They will thus scrutinize your claims request and most likely deny it or ask you to resubmit a request with additional paperwork. Otherwise, they’ll award you damages which are a lot lower than your actual fire clean up or water restoration costs.
An ideal way to get around this problem is to hire the services of a professional restoration company. Aside from being equipped with skilled manpower and high tech, heavy-duty equipment, restoration companies will also give you a big helping hand with the insurance claims process. The varying stages of their involvement are discussed below.
Once you hire a water restoration or fire restoration company, they will appoint an insurance professional or an insurance handler for your case. This person will assist you with the insurance claims process by first finding out if you should indeed apply for an insurance claim.
Once you submit your claim, the insurance company will send a claims adjustor to your property to evaluate the extent of the damage. This claims adjustor will frequently not have a specialized or construction background and you will learn that his judgment is rather poor in terms of damage assessment. This is where the insurance specialist or the insurance handler from your fire restoration or water restoration company will play a vital role. He will be present on the day of the insurance adjustor’s visit to the property. He will take time to explain the degree of damages to the insurance adjuster that might otherwise go overlooked. For instance, a brick wall might seem to be in good condition although there might be widespread water damage behind the brick wall. The wall will thus have to be torn down to access the water damaged material in the back. If not for the insurance specialist, the claims adjustor should not have worked at the price of the demolition and reconstruction of the brick wall that will be necessary.
Another essential advantage that a fire and water restoration company will have to offer is that they’ll guarantee that their repair estimates will be accepted by the insurance company. This will allow you to let them begin their work and not have to wait for the insurance company to first cut you a check.
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