Working With Restoration Companies
Water damage is an all too common problem. You have a leak in your roof, there’s a large thunderstorm, and then you’re faced with a major leak and water damage. Your washer breaks causing your laundry space to flood and damage your space. A pipe bursts in your home and leads to major flooding and damage throughout the home. These are all examples of damage that restoration companies can help to solve.
Before going with a Restoration Company recommended by an Insuracnce Company contact Altieri Insurance Consultants to go over the claim and your options
Water in your home could create all kinds of devastating results, including creating a perfect growth environment for bacteria and mold. This can cause problems for your home and your health. Mold exposure can cause upper respiratory problems and prolonged sickness. If black mold is present, this can result in you having to leave your home all together.
Restoring a home after water damage is a process. Everything from water clean up, moisture removal, sanitizing and testing for mold spores, is important to keep in mind. There are also many benefits to using a restoration company to fix your water damage problems. Restoration companies are known for a quick response- and thorough clean up. It’s important to get a hold of the damage quickly- and fix it- before the problem goes or creates additional problems. Mold is one of the biggest problems with water damage. If you don’t get to mold fast enough, it can spread and cause further problems in your house. It’s important to remove mold safely and completely so it
doesn’t return and spread after the clean up is over.
Water damage is a costly problem. By going with a restoration company, you can curb some of these costs early on and prevent a major cash expense later in the clean up process. The longer you wait to fix the damage, the more cash coming out of your pocket. Restoration companies can fix the problem fast and prevent you from having to spend more money overall to restore your space.
Restoration companies also work with your insurance. Insurance professionals like Altieri can get with the restoration company and figure out how much the insurance will need to kick in for the overall damage. This is especially important if your water damage is caused by a natural disaster like a hurricane or tornado. Your home insurance policy will detail what’s covered and what isn’t-- which helps with unnecessary costs to the restoration professionals. The restoration company can take accurate detailed recordings of the damage and the clean up so the proper documentation is provided to the insurance company- and gets you the proper compensation.
There are cons to going with a restoration company to get your home back to perfect working order. Sometimes, the damage is too extensive to fix. The water damage is too extensive throughout the home, there’s structural damage, or the mold growth has inhibited too much of the space. These can all be reasons why restoration may not be possible-- and it may be best to tear down the home or the area of damage and rebuild entirely.
Other cons are scams. Some restoration companies promise quick service and quality work- only to rip you off big time and leave you with damage to still attend to. Be wary of these scams when researching a restoration company to fix your home. One way they scam you is by making you sign an “Assignment of Benefits” form. This form is a binding agreement that, upon your signature, authorizes that your insurance claim is made out to the restoration company. In turn, the restoration company will either overcharge or dramatically inflate their fee for services rendered to your house, essentially making double or triple what they would have made had you paid them directly. These restoration companies target unsuspecting emotionally fragile people who, in the midst of a disastrous situation, don’t think properly. You need to be extremely careful when entering into any agreement with a restoration company: read over the fine print carefully.
For some restoration jobs, you may not even need a company. You could get the job done faster than they would- and maybe save yourself some money in the process. Many restoration companies require a lot of time, paperwork, and process to get the job done. If the job isn’t too extensive or you don’t have time to wait for the full restoration- try and do it yourself.
If your insurance company recommends a restoration company in particular, it may not be the best company to go with. You don’t know the details between the insurance company and the restoration company. There could be some red tape there, or they could have a deal with the company that results in lower quality work for your home. You could also be just another number for your insurance provider, meaning they don’t fully pay attention to your claim and your concerns. Do thorough research before deciding to go with the company they recommend. It may cost you more in the long run, but it could be the difference between a job well done and future home repair costs.
There are a lot of pros and cons to using a restoration company to fix your home water damage. Do your research, go with your gut, and don’t be afraid to change your mind throughout the process. At the end of the day- it’s your home and your space. How it’s taken care of is important for you being able to live in it for years to come.
Francis (Frank) M. Altieri is Vice President of Altieri Insurance Consultants. Frank is a Florida State licensed Public Insurance Adjuster and is also licensed in multiple Atlantic and Gulf of Mexico states. View Bio