Insurance Claims and Disaster Response

2/16/2022 (Permalink)

Disaster Recovery And Insurance Claims

While a call to your insurer is likely the first thing that you should do after a disaster, it can be hard to focus immediately following a traumatic event. Your insurer will send out an adjuster to your property to help you understand claim services and to issue proof of loss forms. You can handle this process alone, but disaster restoration companies have experience with not only restoration work but also the insurance procedures surrounding it.

1. Protecting Your Claim

One of the first and best things an emergency response team does is mitigation work. This is typically referred to as the tarping over or boarding up of your home. The reason that this is so important to the claims process is that it prevents rejections from your insurer. An insurance provider is less likely to approve a claim when the client doesn’t take the necessary action to protect their property from further damage.

2. Clearing the Way for Proof of Loss

Another requirement of claim services is an accurate and all-encompassing proof of loss statement. While it is possible for these statements to be adjusted later, any adjustments prolong approval times and push off the restoration process. To help ensure you have an accurate statement, disaster restoration companies thoroughly clean out your facility, making sure that damage is visible.

3. Performing the Restoration

Insurance claims are based on accurate estimates of restoration work, and as a leader in the restoration industry, SERVPRO offers some of the most accurate estimations and assessments. You can even find a database of claims made for the Brunswick, ME, area. Accuracy is everything for insurers because it means that they can better serve you, their client.

While insurance claim services can be confusing and overwhelming, it doesn’t have to be. Restoration companies can offer valuable insight into the process and will help you throughout while simultaneously trying to keep costs down.