Property Damage and Insurance

Large loss can happen to any homeowner.  This can include large amounts of water damage, large fires, extensive mold damage or natural disasters.  It is good to know what kind of insurance you have before anything unexpected happens to your home. Large Fire Loss “U.S. fire departments responded to an estimated 1,331,500 fires. These fires resulted in 3,120 civilian fire fatalities, 17,720 civilian fire injuries and an estimated $11,593,000,000 in direct property loss.” (National Fire Protection Association Fire Analysis and Research Division)   Because these statistics are so large in many places, great coverage is essential when being a homeowner. Large Loss Insurance adjusters will run through the property damage to determine the severity of the problem.  Your insurance will have dif...

The estimate I received from my insurance company is not exactly the same as the restoration contractor's estimate. Why the difference? The insurance adjuster may write an estimate and supply you with a copy. The scope of work between the restoration contractor's estimate and the insurance adjuster’s estimate may differ in some areas. However, the restoration contractor and your insurance company will have decided on the agreed figure. The price should be set before the start of your project. By using the estimate, the project manager can make sure the entire project is managed properly and every aspect of the project is contained in the scope of work. What if the insurance check is made payable to both me and the restoration company? There’s a good chance the check you receive from the...

As an insurance agent or adjuster, you are interested in finding the best and fastest service providers to help you get your clients back in their homes and taken care of, and at the best price. You have a unique profession, because you are able to gain a sense of pride after assisting your clients during a trying time to get their lives in order. Before remediation begins, our agents and adjusters are skilled at revealing all problems caused by smoke, fire and water damage that can help you accurately quote a repair job. Find a service specialist in your clients' area by visiting RestorationMasterFinder.com. Not only can Restoration Master Finder quickly and expertly lead to you the best resources to restore your clients' home after it has been ravaged by fire, smoke or water damage...

When your property is affected by a disaster such as a fire or flood, the contents of your home or business will be damaged as well as the building. A contents restoration service will help you determine which of your possessions can be cleaned and restored, and which should be reported to your insurance agent as a total loss. Inventory and Pack Out The first step in content restoration is the inventory and pack out. Content restoration usually takes place at an offsite cleaning facility where the restoration team has access to specialized equipment. Cleaning offsite also ensures that your items are not re-contaminated by water or soot. When the content restoration professionals arrive, the first thing they will do is an inventory. This step is crucial for avoiding confusion later...