SERVPRO can Navigate the Insurance Maze

12/29/2021 (Permalink)

Don't get lost in the maze of insurance; let SERVPRO help!

One of the biggest concerns when dealing with damages to your home or business is, "Will my insurance cover this?" If you are unsure of your coverage or deductible, feel free to call your insurance provider. To find their number simply go to Google, (insurance name) claim phone number. If you cannot find a number for claims, call the customer service number and they will provide you with a number to call. For some insurance providers you have the option of opening a claim online. They will assign an adjuster to you, who will handle your claim. This person works with you and us at SERVPRO of North Sacramento. If for whatever reason you disagree with the adjuster assigned to you, do not be afraid to call the direct line of your insurance provider and request a different adjuster. SERVPRO of North Sacramento works in conjunction with many insurance companies, but we can work with any insurance providers. Even though we work in conjunction with the insurance adjusters, keep in mind at the end of the day your insurance and us here at SERVPRO work for you. Your insurance may tell you to contact a certain restoration/ mitigation company, but it is your choice on who you choose to provide you with service. 

An issue a lot of customers tend to run into when dealing with a claim and their adjuster is what restoration and mitigation your insurance will cover or not cover within your policy. Misinformation or saying the wrong thing to your adjuster usually is the reason customers run into an issue with coverage and their insurance. Unless you have been in the restoration or mitigation industry it can be hard to navigate the situation. For example, one of our customers had called us to do a mold inspection. SERVPRO of North Sacramento came out and did the initial inspection and told the customer they needed a mold test. The test results came back positive for mold. The insurance company had denied her claim for the mold mitigation. The reason they denied the claim was because the customer just stated it was mold; the insurance company will assume this was from the customer's negligence, such as ignoring a leak. Wondering why the customer's claim was denied, our office staff contacted the customer, only to find out that the customer recently had fixed a roof leak and this was the cause of the mold growth. After our office staff talked to the adjuster and explained where and what caused the mold, the insurance ended up covering 80 percent of the mitigation work. Which obviously made our customer happy that she wasn't going to have to pay the whole cost out of pocket.   

Dealing with insurance adjusters can be difficult because it is their job to protect their company from insurance fraud and not approve fraudulent insurance claims. Some people often think their business is like their baby and would you not apply that same type of thinking to the home you live in. If that's the case, wouldn't you want to defend and stick up for your home or business as if it was one your kids. For a stress-free claims process, let SERVPRO work with your insurance to help manage the insurance process and paperwork. Contact us at (916) 587-3438 if you have questions about how to communicate with your insurance. SERVPRO of North Sacramento really wants to get your home or business back to the way it was so it's "Like it never even happened."