Many times our insurance partners ask us to review damage at their customers’ homes before a claim is filed. This helps ensure that their clients get good advice and aren’t filing claims for minor issues or for items that would likely not be covered. Your rates can be impacted by either.
In some cases we find issues that need immediate attention but the home owners are cautious about starting the project before the adjuster has seen their damage. This makes a lot of sense initially but one thing everyone needs to know is that it’s the homeowner’s responsibility to prevent further damage after the event. This is called mitigation.
When you have water damage, mitigation is the removal of bulk water and structural drying. It’s important to remove any standing water and control the temperature and humidity so that the affected structural materials can dry. If left wet, mold can begin to colonize in as little as 48-72 hours. When mold is discovered it can become a major problem with your claim and affect what will or won’t be covered.
At Triad Service Team we work with insurance carriers all the time and know how to document everything in writing and with photos to ensure your insurance carrier and adjuster know everything that happened to ensure your claim is processed quickly and efficiently and that nothing is missed. We often come back to the property when the adjuster comes just to help make sure neither of us have missed anything and to ensure that the repairs can begin as soon as possible.
When you have an issue at home let us be your first call. We can help with just about any situation in your home and will help you navigate the insurance process if needed. We’re available any time at (336) 203-0739.
Written By: Ben McDonald, Triad Service Team of Professionals – Winston-Salem, NC