Pipes that burst or leak are common culprits of water damage. Drains and toilets that get backed up and blocked can cause undue pressure in the pipe, which then causes it to burst or leak. Garbage disposals that aren’t working properly are another common reason for pipes to burst, as are roots that grow in the yard into the sewer lines. Old or rusty pipes are also more prone to leaking.
Policyholders don’t want hassles. We’ll make sure you get the coverage you paid for, remove the headache of having to work with your insurance company, and streamline the entire process. You have enough to worry about; we’ll work with your insurance company to achieve your complete satisfaction. In fact, we’ll usually do a survey with the insurance companies to make certain each and every policyholder gets everything they are entitled to get.
If you have a replacement cost policy, most insurance companies pay claims with two checks. The insurance company will give you the first check after the adjuster has reviewed your damage. This check will be for the estimated cost of repairs, minus depreciation and your deductible. A deductible is the amount of the claim that you're responsible for paying yourself. Review your policy or ask your agent or adjuster if you don't know how much your deductible is.
Understand that there are several people who represent the insurance company during a claim, so you want to know where the decision is coming from. Was it your agent who told you, the insurance adjuster, or a contractor? Each person plays a different role. Don't be afraid to request clarifications to avoid misunderstandings. When a claim is denied, you will normally receive something in writing advising you of the official decision.
Fire and Water Restoration companies are regulated by the appropriate state's Department of Consumer Affairs - usually the state contractors license board. In California, all Fire and Water Restoration companies must register with the California Contractors State License Board. Presently, the California Contractors State License Board has no specific classification for "water and fire damage restoration."