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Most people that are experiencing a flood event and need professional help are doing so for the first time. So here’s some of the top misconceptions we see from customers:
#1: I have to call my insurer first
Absolutely not necessary nor recommended. “But I thought I would need a claim number in order to begin the process?” you say? Nope, you need the water out and the loss contained. The insurance claim process can be dealt with later. You don’t have time to wait around to hear back from your insurer with a claim number. It just means greater damage and ultimately more costs to them, so they want you to get the work done as quickly as possible!
#2: My insurance covers mold
1) If you already have mold, you’re going to pay out of pocket for the loss.
2) If you’ve suffered flooding damage, get it fixed now before mold takes hold and begins growing!
#3: I’m worried I will get gouged on the price and have a problem with my claim settlement!
Our industry is unlike many others you are accustomed to. Where most service providers decide what they charge for their services, and those costs can vary wildly between companies, our industry’s rates for service are baked. By that we mean, we follow the pricing guidelines established by insurance companies who in most instances cover the cost of our water damage restoration services. In other words, our rates are established by them, not us.
Water damage companies use a system called Xactimate. It’s a third party software that is also used by adjusters, and it calculates the appropriate rates (agreed upon by insurers) to charge for each service rendered.
#4: I can clean my carpets after a sewage back-up.
The rule of thumb is if sewage touches it, it’s got to go. And that definitely goes for carpet. We pull it up and disinfect the subfloor below so no contaminants remain.
#5: I can just rent the equipment and save some money.
We see it all the time. Someone tries to save a few bucks on their deductible vs. out-of-pocket and they try and do the cleanup and dry-out job themselves. A few quick searches, watch a couple of videos, and presto, you’re an expert. Fast forward a few weeks when we get the call:
“I think there’s some water damage in my walls and floor and it smells really musty.”
Don’t be that person. Remember the myth about insurance covering mold? Well, try to save a few bucks on the water damage cleanup process and you could very well end up paying out of pocket on a service that costs several multiples more.