Dealing with Your Insurance Carrier After a Water Loss

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Our team responded to a water damage restoration in Waukee. Client had been on vacation and came home to a broken water line from the dishwasher. Unfortunately, the line had flooded the basement and most of the interior drywall had to be removed. Within two weeks we had the client taken care of and the reconstruction underway.

Our Client in Ankeny had a Water Damage Emergency caused by a toilet overflow that would not shutoff. The water leaked into the kitchen and down into the basement. We assisted this client thru the process and helped her get back some sanity during a stressful time.

We had the pleasure of restoring this clients deck in Ankeny. While we were there we stripped and re stained the wood furniture to match.

Our Client had a hail claim and a small growth inside the closet of their home. During inspection we found the attic to be heavily impacted with microbial growth. We acted fast to work with her carrier and once approval was obtained, we moved forward with remediation and assisted the homeowner during every step of the claims process including the roofing, insulation, and interior reconstruction.

Handling an insurance claim after a fire can be a complex process, but with the right approach, you can navigate it effectively. Here are the steps to follow: 1. Contact Your Insurance Company: Notify your insurance company as soon as possible after the fire. Your policy documents should include a contact number for claims reporting. 2. Review Your Policy: Familiarize yourself with your insurance policy to understand your coverage, limits, deductibles, and any specific provisions related to fire damage. 3. Document the Damage: Take photographs and videos of the fire damage and any affected items. This visual documentation is crucial for your claim. 4. Make a Detailed Inventory: Create an itemized inventory of all damaged or lost items. Include their descriptions, estimated value, purchase price, and the date of purchase if available. 5. Secure the Property: If the property is not safe to enter, secure it by boarding up windows and doors to prevent unauthorized access and further damage. 6. Request Advance Payments: Depending on your policy and the extent of the damage, you may be able to request advance payments from your insurance company to cover immediate living expenses, such as temporary housing. 7. Work with Your Insurance Adjuster: Your insurance company will assign an adjuster to assess the damage. Provide them with all necessary documentation and cooperate fully during their inspection. 8. Mitigate Further Damage: Take steps to prevent further damage to your property. This might include covering the roof if it's damaged, blocking off damaged areas, or preventing further water damage if it's caused by firefighting efforts. 9. Understand the Claims Process: Familiarize yourself with the claims process, including how payments are made, what's covered, and any policy-specific procedures for fire damage claims. 10. Keep Records: - Maintain detailed records of all interactions with your insurance company, including names, dates, and topics discussed. This documentation can be crucial if disputes arise. 11. Be Patient and Persistent: - The claims process can sometimes be slow or involve requests for additional documentation. Be patient, but also persistent in following up and providing requested information promptly. 12. Seek Professional Help if Necessary: - If you encounter challenges or disputes in your insurance claim, consider consulting with a public adjuster or attorney who specializes in insurance claims. They can provide expert guidance and negotiate on your behalf. 13. Review Your Claim Settlement: - Carefully review the claim settlement offered by your insurance company. Ensure that it covers the full extent of your losses and damages. 14. Sign a Release: - Before you receive any insurance payment, your insurance company may require you to sign a release form, which finalizes the settlement. Ensure you are satisfied with the terms before signing. 15. File a Complaint if Needed: - If you believe your insurance company is acting unfairly or unreasonably, you can file a complaint with your state's insurance department. They can investigate your case and advocate on your behalf. Remember that handling an insurance claim after a fire requires patience and thorough documentation. It's essential to be prepared, persistent, and, if necessary, seek professional assistance to ensure you receive the coverage you're entitled to for your fire damage. As a reputable and IICRC Certified Water Damage Restoration contractor, MacPro Restore is here to help. We can help you determine if the damage warrants professional dry out and or an Insurance claim. We are just a phone call away. Call 515-257-6010 to get help now in the Des Moines area. MacPro Restore Offers 24 hour Emergency Service for the following services and areas Water Damage, Fire Damage, Mold Damage

Hiring a professional after water damage is crucial for several important reasons: 1. Expertise: Professional water damage restoration experts have the knowledge, training, and experience to assess the extent of the damage accurately. They understand the complexities of water damage, including potential structural issues, mold growth, and health hazards. 2. Rapid Response: Professionals respond quickly to water damage emergencies, helping to prevent further damage and mitigate the risk of mold growth. Their rapid response can save time and money in the long run. 3. Specialized Equipment: Water damage restoration professionals have access to specialized equipment and tools, including industrial-grade pumps, dehumidifiers, moisture meters, and infrared cameras. These tools are essential for thorough water extraction, drying, and monitoring. 4. Thorough Water Extraction: Removing water and moisture from affected areas is critical to prevent structural damage and mold growth. Professionals use powerful equipment to ensure thorough water extraction. 5. Mold Prevention: Water damage often leads to mold growth if not addressed promptly and correctly. Professionals have the expertise to identify potential mold risks and take measures to prevent its development. 6. Safety: Water damage can compromise the safety of your property. Professionals identify hazards like electrical issues and structural damage, ensuring that safety is a priority during the restoration process. 7. Insurance Guidance: Water damage restoration professionals work with your insurance company to help you navigate the claims process, providing documentation and expertise to maximize your coverage. 8. Health Protection: Water damage can lead to health hazards, such as mold and contaminated water. Professionals take precautions to protect your health and ensure that your property is safe to inhabit. 9. Restoration to Pre-Damage Condition: Professionals aim to restore your property to its pre-loss condition. We repair and replace damaged materials, ensuring that your home or business looks and functions as it did before the damage occurred. 10. Time and Cost Savings: Prompt and professional water damage restoration can save you time and money by preventing further damage, reducing the risk of long-term structural issues, and minimizing the need for extensive repairs. 11. Peace of Mind: Dealing with water damage can be overwhelming. Hiring professionals provides peace of mind, knowing that experienced experts are managing the restoration process, allowing you to focus on rebuilding and moving forward. Hiring a professional after water damage ensures a thorough, safe, and effective restoration process. It minimizes the risk of long-term issues, maximizes insurance coverage, and offers peace of mind during a challenging and stressful time. As a reputable and IICRC Certified Water Damage Restoration contractor, MacPro Restore is here to help. We can help you determine if the damage warrants professional dry out and or an Insurance claim. We are just a phone call away. Call 515-257-6010 to get help now in the Des Moines area. MacPro Restore Offers 24 hour Emergency Service for the following services and areas Water Damage, Fire Damage, Mold Damage

In the ever-changing landscape of the insurance industry, one constant remains – the need for trusted partners who can help your clients when disaster strikes. As property insurance agents, you play a crucial role in protecting your clients' assets, and we believe that our restoration company can be a valuable asset in your arsenal. In this blog post, we'd like to explain why referring our restoration company to your clients can be a win-win for everyone involved. 1. Expertise and Experience: When it comes to water damage restoration, expertise and experience matter. Our team is highly trained, certified, and has years of hands-on experience in mitigating water damage, restoring properties to their pre-loss condition, and handling complex restoration projects. By referring your clients to us, you're connecting them with experts who know how to navigate the challenges of water damage recovery. 2. Rapid Response: We understand that time is of the essence in any property damage situation. Our commitment to rapid response ensures that we can start the restoration process quickly, minimizing damage and reducing costs. When you refer your clients to us, you can trust that they will receive prompt and professional service. 3. Transparent Communication: We know how crucial transparent and open communication is, both for you and your clients. We provide detailed documentation of the damage assessment, restoration plan, and ongoing progress reports. You and your clients will always be in the loop, knowing exactly what is happening at every stage of the restoration process. 4. Quality Workmanship: Our goal is to restore properties to their pre-loss condition, providing quality workmanship that meets or exceeds industry standards. When your clients see the results of our work, they'll appreciate the attention to detail and commitment to quality. 5. Cost-Efficiency: As insurance agents, you understand the importance of cost-efficiency. We work closely with insurance companies to ensure that the claims process is smooth and the costs are managed effectively. By referring your clients to us, you're helping them access services that can ultimately reduce the financial burden on their insurance policies. 6. Trusted Partnerships: Building long-term relationships with our clients is at the core of what we do. We aim to not only restore property but also restore peace of mind. By referring your clients to MacPro Restore, you are fostering trust and dependability in your client-agent relationships. 7. Education and Resources: We're committed to providing educational resources for your clients and helping them understand the importance of preventive measures and emergency response planning. By referring clients to us, you're connecting them with a valuable source of knowledge and expertise. 8. 24/7 Availability: Disasters don't adhere to a schedule, and neither do we. Our 24/7 availability means we're ready to respond to emergencies anytime, day or night. You can trust that your clients will be in capable hands whenever disaster strikes. Referring your clients to our restoration company is more than just a business partnership; it's about extending a helping hand when your clients need it most. With our expertise, experience, and commitment to excellence, we can be a valuable asset in your mission to protect your clients' properties and investments. We invite you to explore this partnership and discover the benefits of collaborating with a restoration company that shares your commitment to your clients' well-being. Contact us today to discuss how we can work together to provide top-notch restoration services and peace of mind to your clients. Sincerely, Clinton McElwee - MacPro Restore - (515) 257-6080