The disaster restoration process is stressful enough without having to fight to get your insurance claim approved.

Water damage, mold and other disaster restoration emergencies can quickly become costly and time-consuming. Your homeowners insurance should pay for the costs to remediate the damage and restore your home to its pre-incident condition.

Unfortunately, insurance companies are primarily in the business of making money for stockholders or shareholders. To accomplish this, they routinely deny flood damage claims, sometimes even when the damage should legitimately be covered.

Although disaster restoration companies typically cannot process your claim for you, a good remediation and restoration contractor can assist you, increasing your chances of getting your claim approved.

How Does the Disaster Restoration Claims Process Work?

For most homeowners, filing a flood damage remediation and restoration claim is a two-step process. Getting the insurance company to pay for remediation is usually the easy part. However, when it comes to time to get your restoration work approved, things often get messy in a hurry.

Although your first inclination may be to call your carrier, consider talking to a restoration company first to get an idea of the scope of work. If the cost of remediation and restoration isn’t much more than your deductible, you may elect to forego filing a claim.

Once you have an idea of what the remediation will cost, you can call your insurance company and begin the claims process. The caveat here is that you shouldn’t release your contractor to begin the restoration until you have approval from the insurer.

What Can You Do to Improve Your Chances of Getting Your Claim Approved?

Today, before you ever have need for your insurance, take a moment to read through your policy’s coverages to ensure you will be protected should flood damage occur. Familiarize yourself with the requirements of submitting a claim and getting it approved, as you will have to follow these directions to the letter.

If you need more coverage or help understanding the process, contact your insurance agent for help.

When it’s time to file a claim, make sure you cover all your bases. The better you document your claim, the better your chances of getting it approved. A good disaster remediation and restoration contractor can be invaluable in this endeavor, providing a detailed scope of work and cost breakdown.

You’ll need to take as many photos as possible of the damage and get to work on a detailed inventory of the items that were damaged in the flood.

What if Your Insurance Claim for Disaster Restoration Gets Denied?

The first course of action, should the insurance company deny your claim, is to get a second opinion — typically from a public adjustor.

A public adjustor can assist you in arriving at an agreeable settlement with the insurance company so you can get on with the restoration of your home. Throughout this process, your disaster restoration company should be there for you, providing any additional documentation you may need and answering questions that you, your insurance carrier or the adjustor may have.

In Murray and throughout northern Utah, AAA Restoration provides a full range of disaster remediation and restoration services. Unlike many companies that either handle emergency disaster remediation or restoration — but not both — we handle every aspect of your restoration, capably and professionally. When you need the best disaster restoration in Utah, call on the AAA team.