Insurance
Prime Restoration will work with all insurance companies to help you navigate the insurance claims process and coordinate the necessary paperwork for a quicker, easier experience.
If water damages your home, you need the help of an experienced team of home restoration specialists to ensure your property is fully restored to pre-damaged condition. Our team works directly with your insurance company to ensure that, while keeping stress to a minimum if the unthinkable happens. We are there every step of the way, from A-Z to make sure all damages are covered.
If you’re not sure whether to file a claim or not, call us and we give you a free inspection to assess damage. When damage is present, we help you with the claim process by providing photos, estimates and communicating directly with your insurance from start to finish.
Most property insurance policies cover “sudden and accidental” water damage that happens. For example, a burst water pipe or fridge leak. The other factor is if the water is from inside your home or outside of your home. Sometimes, water damage from water coming outside of your house won’t be covered.
Water damage that happens over time, like a small leak from a toilet or sink, is not always covered by your policy. However, working with an expert can help determine what your insurance is and is not responsible for covering.
Dealing with the insurance claim process can seem overwhelming, but you’re not alone. We can deal with your insurance company professionally by providing the proper documentation to confirm your level of damage and validate our remediation process. We provide complete and accurate information to insurance adjusters to process and expedite the completion of your claim. Many homeowner insurance policies do provide some degree of coverage in a water damage situation. Approximately 1 in 50 insured homes has a property damage claim caused by water damage each year. Ultimately, your insurance company will determine the coverage for your water loss. The most important aspect is to mitigate the property damage. As the policy holder, this is your responsibility. Your insurance company will validate that you did your part in minimizing the damage by calling a professional water damage company. We have the knowledge in working with your insurance. Call the best local water damage remediation company, we work with all insurance companies!
Experiencing a loss or damage to your property can be a stressful and traumatic experience, and it can be even more frustrating if your insurance company fails to provide the assistance and support you need to recover from the loss. Unfortunately, insurance companies are known to prioritize their bottom line over their policyholders, and some may even try to avoid paying out on legitimate claims. In this blog post, we will explore some of the ways that an insurance company may refuse to help during an insurance claim loss.
- Denying your claim
One of the most common ways that an insurance company may refuse to help during an insurance claim loss is by denying your claim outright. Insurance companies may deny claims for a variety of reasons, including failure to disclose relevant information, policy exclusions, and disputes over the cause or extent of the damage. If your claim is denied, you may need to hire a lawyer or file a complaint with the appropriate regulatory authorities to seek recourse.
- Delaying your claim
Another tactic that insurance companies may use to avoid paying out on claims is by delaying the claims process. They may require extensive documentation, drag out the investigation, or take a long time to respond to your requests. This can be especially frustrating if you are facing financial hardship or need to make repairs quickly. If your insurance company is delaying your claim, you can try to escalate the issue to a supervisor or file a complaint with the relevant regulatory authority.
- Underpaying your claim
Insurance companies may also try to avoid paying out the full amount of your claim by undervaluing the damage or offering a low settlement. They may use their own adjusters or contractors to assess the damage, who may not accurately reflect the true cost of repairs or replacements. If you feel that your claim has been underpaid, you may need to hire an independent adjuster or contractor to provide a second opinion.
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- Denying coverage for additional living expenses
If your home is uninhabitable after a loss, your insurance policy may provide coverage for additional living expenses, such as hotel bills or temporary housing. However, insurance companies may try to avoid paying out on this coverage by claiming that the damage was not severe enough to warrant relocation, or that you failed to provide adequate documentation. If you are facing issues with your additional living expenses coverage, you may need to consult with a lawyer or file a complaint with the appropriate regulatory authority.
In conclusion, if you are experiencing a loss or damage to your property, it is important to be aware of the ways that an insurance company may try to avoid paying out on your claim. If you feel that your insurance company is acting in bad faith or engaging in unethical practices, you may need to seek legal advice or file a complaint with the appropriate regulatory authorities. Remember, insurance companies are required to act in good faith and provide prompt and fair resolution of your claims, and it is your right as a policyholder to receive the benefits you are entitled to under your policy.
Mitigating the damage as soon as possible after a water loss can significantly help your insurance claim in several ways:
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Prevents further damage: Taking steps to mitigate the damage can prevent further damage from occurring. This can help reduce the overall cost of the claim and may prevent your insurance company from denying coverage due to neglect.
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Shows proactive effort: Mitigating the damage demonstrates to your insurance company that you are taking proactive measures to minimize the damage and prevent it from getting worse. This can help establish your credibility and may lead to a smoother claims process.
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Preserves evidence: By mitigating the damage, you can help preserve evidence of the cause and extent of the damage. This evidence can be used to support your insurance claim and ensure that you receive the compensation you are entitled to.
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Reduces the risk of mold and other issues: Water damage can quickly lead to mold growth, which can cause health problems and make the restoration process more complicated and expensive. By mitigating the damage quickly, you can reduce the risk of mold and other issues and ensure that your home is safe and healthy for you and your family.
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There are several types of insurance coverage available to protect your property from damage. Here are some of the most common types of insurance coverage for property damage:
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Homeowner’s insurance: Homeowner’s insurance provides coverage for damage to your home and personal property caused by specific events, such as fire, theft, and natural disasters. It also includes liability coverage in case someone is injured on your property.
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Flood insurance: Flood insurance is a separate policy that covers damage to your property caused by flooding, which is not typically covered by homeowner’s insurance. This coverage is especially important for homeowners in flood-prone areas.
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Earthquake insurance: Earthquake insurance is a separate policy that covers damage to your property caused by earthquakes, which is not typically covered by homeowner’s insurance. This coverage is especially important for homeowners in earthquake-prone areas.
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Windstorm insurance: Windstorm insurance provides coverage for damage to your property caused by windstorms, including hurricanes and tornadoes. This coverage may be included in your homeowner’s insurance policy or may be purchased as a separate policy.
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Water damage insurance: Water damage insurance provides coverage for damage to your property caused by water, including from burst pipes, leaks, and flooding. This coverage may be included in your homeowner’s insurance policy or may be purchased as a separate policy.
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