Dealing With Insurance During a Restoration Claim


Nowadays, many people have become aware of the fact that disasters may occur at any time and anywhere. Even if you are staying in an area with a pleasant climate and weather conditions which is away from the sea-coast, that has not experienced any disaster in the past few years; then also there is some probability of disaster occurrence. From our end, we are bounded by the ways of nature, so we can’t avoid any disaster, but we can be well prepared to face them so that the severities of their causes are reduced significantly.

As a remedy, many insurance companies have come up with disaster relief schemes to help the victims financially in restoration. These schemes are a boon to many who live in disaster-prone areas, every year, more than hundred-thousands of disaster claims are made. Alas! A few of them remain unsettled due to the terms and conditions of the policy or lack of documentation and evidence from the Client’s end. Many legal issues are also raised by insurance companies, reporting false claims made by some consumers. That’s why we advise both the ends to be vigilant enough to read all the terms and conditions mentioned in the documents carefully before closing the deal.

For a disaster victim, it is very common to become nervous. Still, you must try your best to behave as a responsible individual and try to be strong mentally and collect proper evidence of the disaster so that you can make insurance claims, later. If you are inexperienced, you can always approach your restoration company for getting the best assistance in settling insurance claims. Chrome water damage experts from water damage restoration Austin, TX, provides the most prompt restoration service, they have an incredible record in settling insurance claims.


Some steps that you must follow while dealing with insurance companies:

1. Ensure the safety of human lives

First of all, you must deal with the outstanding danger; it may be a flood, a fire, an earthquake or any other disaster. If the disaster is very crucial, immediately evacuate the place, with your necessary belongings and documents. If you are not able to manage the disaster site, immediately call for a disaster restoration company. When the situation is under control, that is, all the human lives and the subjected properties are safe, you can begin the procedure of making the insurance claim.

Source: MIMS Malaysia

2. Contact the insurance company

When the life-threatening phase of the disaster is over, and the situation is somewhat better, inspect the site yourself or refer the report generated by the restoration company and inform your insurance company about the sorrowful incident. Many a time, the insurance company sends a team of experts to inspect the disaster site and severity for settling the claims later, this ensures that your request is authentic and shifts your claim on a higher priority. If they don’t provide on-site services, call them personally and tell them every critical detail about the incident and remind them of the policy coverage.

Source: Industry Wired

3. Assemble and manage evidence

Any claim appears to be unauthentic without the support of evidence. If you want to get a decent amount from your insurance company, then the evidence produced should be detailed and well-documented. You can take photographs of the disaster site before cleaning is done. From the first expense only, maintain a proper record of the amount spent by you, file the bills also, so that your claim looks verified. If a restoration contractor is the incharge of the site, then your job is already done, you simply need to ask them for the report of the incident, they are well aware of the format.

Source: Insurance Journal

4. Set up a meeting with the insurance provider

You must meet your insurance agent as well as the officer-in-charge of your claim so that all the concerned issues are clarified; there should be complete transparency between the three parties. You can even include the on-site inspector. Generally, the insurance companies only set up the discussion, but if they seem to be inactive, you may take the lead.

Don’t go for the meeting without the relevant documents, like the photographs taken post-disaster, the receipts from the restoration company, the report from the restoration company, the treaty of your insurance claim. Try to approach the insurance office as soon as possible, preferably within 48 hours of the disaster. Discuss every expense with the officer, even the post-disaster cleaning expenses, the officer will tell you the coverage that are included in your insurance policy. You need to be vigilant throughout, when you purchase the policy, be very clear with the coverage that you need and the coverage that policy offers. If any coverage is missing, then and there only you must ask your insurance provider to add it.

Source: Kevin Davis Insurance Services

5. Be patient during the process

The insurance companies only credit the amount, after they have carried out a thorough inspection of the disaster site and the victim. They even cross-check the bills with the restoration provider or individual vendors. This process is time consuming and sometimes even takes more than six months. From your side, you must take specific care that are all the documents that you attached are original and in the proper format. However, there is a deadline in which they will credit your reimbursement amount, till then, you must be patient and co-operate with the insurance company pleasantly.

We understand that for an inexperienced homeowner or business person, this entire process of making an insurance claim is crumble some and time-consuming. That’s why we advise you to hire a restoration company; they even help you in settling insurance claims. With their expertise, they do the documentation correctly, and their reputation authorizes your request.

It is observed that the claims made through a restoration company are settled earlier than individual claims. This is because of the quality of the paper-work. Always remember that for making insurance claims, your paper-work plays the key role. If a single invoice attached is fake or unauthorized, the chances of your claim being rejected become high. You can call us in any emergency or visit this website!