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Dealing with Insurance After Emergency Restoration

by Allied / Thursday, 15 August 2019 / Published in Home Restoration Services

Dealing with any sort of emergency can be overwhelming. If disaster strikes your home, whether the damage is fire, water or mold, you’ll probably have a million questions about what to do first and how to react. After the immediate emergency is mitigated, you’ll need to work on moving forward. We’ve talked about the first steps to ensure the damage doesn’t get worse, but how do you proceed with fixing the issue at hand? Must like when you’re in a car wreck, one of the first things to tackle is insurance. After you’ve called a local emergency restoration company to assess the damage, call your insurance company for more information. 

Does insurance cover emergency restoration? 

One of the first questions you’ll have when you call your insurance is, “Am I covered?” Unfortunately, that’s not always a straight forward question. Some insurance companies cover specific scenarios. For example, they may cover water damage caused by a burst pipe from inside your home, but not flooding that came from outside your house. It is always best to review your policy on a regular basis to determine what is covered and to establish if there are any holes in your policy that you’d like your insurance to cover. 

What is covered under my emergency restoration insurance? 

Each home owner’s insurance policy can be different. Some flood insurance may cover scenarios that other policies don’t cover. In addition, other aspects may be covered by insurance. Say your bathroom was affected by the disaster and will require emergency restoration services. Your insurance may pay for you to stay elsewhere while restoration work is underway. If your kitchen is out of service, food expenses such as eating out might be covered. 

What types of emergency restoration insurance exist? 

We purchase homeowner’s insurance for emergencies and this exact type of scenario. Most homeowner’s insurance covers some or most disasters. The key is to know what kind, and to ensure your policy covers the emergencies that are most likely in your area. 

Tips for dealing with emergency restoration insurance: 

  • Review your policy annually to establish if you need additional coverage 
  • Call an emergence restoration company such as Allied 24/7 Emergency Restoration first that is knowledgeable about dealing with water damage restoration, mold remediation or whatever damage is done by the disaster. The emergence restoration company will be able to give you exact details you can tell insurance. 
  • Keep maintenance up-to-date, as many insurance companies will cover less of the process if you are at fault. 
  • Take photos and detailed notes of the damage before anything is moved or fixed. This way, you know what you need insurance’s help with. 
  • Don’t be afraid to ask for more or advocate for yourself. 

Thankfully, emergencies do not happen often, but when they do, the property damage can be devastating. Trust Allied 24/7 Property Restoration to provide the best emergency damage restoration services, so that you have one less thing to worry about.

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