Water Damage mitigation insurance claim process with R & S restores in Novi and our service area
Most of our customers have never had to file an insurance claim after finding their home has been damaged by a toilet overflow, storm, sewer back up, frozen pipe burst, sump pump failure or vandalism. We understand needing sewage backup cleanup, finding a sump pump flooded basement or ceiling water damage can be stressful and you may not know what to do. Making sure you and your family are safe should be your priority. After that you want to start damage mitigation, click here for tips. That is where R & S Restores and water mitigation companies come in. We can do a water damage inspection and provide you with information and cost so you can determine if you should file an insurance claim. Below we have a guide as to how R & S walks you through emergency water removal process, as well as how we work with your insurance company. Call R & S at 888-545-8514, we are ready to help or answer questions 24/7/365.
Step 1: Deciding who to call and what to do
Locating water/sewage in your property can be very stressful. Most property owners are unsure who to call or what steps they should take to prevent further damage and stay safe. Calling your insurance company first is not always the most prudent call as they may start a claim for damage that can be remedied for less than your deductible. Call R & S first. We will help evaluate your situation and offer guidance so you can make the proper choice based on your situation.
Step 2: After calling R & S we will assess property
An R & S Employee will walk your property to determine affected areas. This is done by visual observation as well as the use of moisture meters to determine the best course of action.
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Step 3: Review emergency service agreement
Should your situation require mitigation services you will be asked to sign an agreement. This agreement will allow us start dry down - restoration services. The agreement also allows us to bill your insurance company should there be an insurance claim filed.
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Step 4:Drying/Plan Equipment Placement
Meter readings are taken to map affected areas. Then we will use IICRC guidelines to determine what if any building material may need to be removed as well as proper drying equipment to prevent further damage to your property. This equipment will be placed and left on site typically for 3-5 days.
Step 5: Final Walk-through
We will go over damaged areas of your property to make sure building materials have reached pre-loss moisture levels and no further damage will come to your property. During this time when claims are filed, an insurance adjuster will have come to the house or will have set up a time to inspect so you can begin to work on the reconstruction process.
Step 6: Estimates
No estimate is required to start emergency drying services, in fact your insurance company has a provision requiring you to mitigate further damages. R & S does not set pricing for these services. We use a price list and services insurance companies agree to. This estimate is based on the time it took your property to dry and what work was done.
