Leave Us to Deal with Your Insurance Provider
Thinking of calling your insurance company? Call us first. Clean Earth Restorations is a preferred vendor with many major national insurance carriers and will handle everything for you, from your water/fire damage insurance claim to the completion of the construction and restoration job.
- We will get started on your restoration project now.
- We’ll work with your insurance company directly while we’re working to get the job done on-site.
- We have crews available 24/7 to dispatch to your property.
- Our experts are standing by to take your call.
If you’ve had a catastrophic event in your home or business, you will likely have questions about your insurance coverage. Every policy is different, and we cannot guarantee your coverage details, but there are some important things to keep in mind when navigating the restoration of your property and an insurance claim.
At Clean Earth Restorations we intervene in all phases of responding to an emergency on behalf of our customers in residential, commercial, and industrial locales. We respond to emergencies 24/7, provide water/mold removal, drying, smoke/fire damage restoration, and remediation services, and provide expertise working with agents and adjusters for your insurance claim. We are a family-owned business and take pride in providing the highest quality service to our fellow San Diegans.
Usually, an insurance policy will have specifications making a distinction between water damage and flood damage. A typical homeowner’s policy covers water damage, such as a burst pipe or backed-up plumbing. In most cases, natural flooding is not included (generally this is something you must add to your policy). So, if your home is inundated with water as a result of plumbing issues, it should be covered in full under your policy. However, if a nearby river has overflowed its banks and your home has been flooded, you likely won’t be covered by insurance unless you have a specific policy covering this circumstance.
Keep in mind:
- Not all floods/water damage is covered by all policies. You will need to read and understand the details of your policy.
- It is important to document (for yourself as well as an insurance claim) the conditions of the damage.
- Leaks and/or flooding claims can affect your insurance company’s contractual offer to you, whether it be raising your rates, increasing your deductible in the future, or possibly even dropping your policy. Understanding the big picture of the situation is important to protecting your best interests.
- You have the right to select which company makes the repairs to your home or business. Your insurance company may try to direct you, but the choice is yours!
Most standard homeowner’s insurance policies take care of fire damage costs. Usually, the cause of the fire is not a factor that affects this (except for intentional damage by the homeowner). The insurance company should cover all damage in full, including cleanup for smoke and water damage, contents restorations, and reconstruction. If you have to make other living arrangements while your home is being repaired, your insurance company should also have this covered.
Mold removal should be covered by your insurance provider if the damage was a result of a “named peril” that has been listed on your policy. If the cause of the damage is not on your policy, damages won’t be covered. Situations like water damage from a pipe burst that led to mold should be covered. However, most standard policies do not have provisions for mold growth from negligence or flooding.
Some things to look for when hiring a restoration contractor include:
- Ask them how long they have been in the business.
- Find out if the company has specific experience working with insurance claims.
- Ask to speak to one of their satisfied customers.
- Always get a repair estimate and a contract before you start work.
- Find out if the technicians or the firm is IICRC Certified
You buy flood, water, and mold property insurance to financially protect yourself and your home from unforeseen natural and man-made disasters. However, homeowner’s insurance policies are not all the same and do not necessarily cover all types of water and mold damage.
Know your rights and make sure your damage is taken care of professionally, carefully, and in line with your insurance coverage. Contact us today with any questions and ask us about providing a free estimate.
Call Clean Earth Restorations to clean up, repair, and restore your property after it has suffered any of the following: