3 Insurance Rules After Disaster Hits Your Home

I. Avoiding Insurance Disaster.

It seems like whenever catastrophe strikes, insurance problems rear their ugly head. It might be your home isn't sufficiently covered to pay for repairing the damage. Or, you might be the victim of unfair adjusting practices, such as a carrier that would rather fight than pay its fair share.

In a disaster such as fire, flood or earthquake, you might not even know who your insurance company is, since your policies and other important documents may well be cold ash or soggy trash.

If you suffer a disaster and have to make a claim on your insurance, keep these three principles in mind:

II. Get a Copy of Your Policy and read It.

Insurance always begins with a written contract. So, the first thing that needs to be done when getting ready to make a claim is to get a copy of every policy that might possibly provide coverage for your damaged property and read them all from front to back.

If you don't have the policy forms because they were lost, destroyed or are otherwise unavailable, you'll have to get policy reconstructions from the insurance company. Requests can be made to your agent or directly to the insurance company's policy services department. If you don't remember who your insurance company is, you'll need to do a little detective work. Start with your checking account. A review of your banking records may well lead you to every insurer that might provide coverage for the damaged property.

III. Check your coverages.

Your insurance policy provides coverage for certain types of loss and excludes coverage for others. That's why it's important to get a copy of the contract right at the beginning.

One issue that frequently arises following a catastrophic loss is the damaged property was not adequately insured in the first place. Where an agent or broker provided you with professional advice on the appropriate coverage or bound coverage based upon their own professional expertise, there may be a claim for professional negligence where the property isn't properly protected.

IV. Watch out for Time Limits

Property insurance contracts generally have their own time limits, called "statute of limitations," built in, and the period in which to file suit to enforce the contract is generally less than the period that applies to a plain vanilla written contract.

When in doubt, consult a legal professional about what time limits will apply to your claim. Be proactive. Once you have a loss, there is a clock ticking somewhere that might limit your ability to recover policy benefits.

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Dealing With Disaster and Planning Restoration

Disaster can strike any commercial building or residence at anytime. Whether it is a storm that strikes or a fire that engulfs the building, disaster in any form is often severely damaging to the property, as well as to the people who live or reside inside it. However, for a quick and efficient recovery, restoration needs to be taken up in a professional manner, at the earliest possible time.

All across the US, there are thousands of commercial and residential buildings that fall prey to unforeseen disaster, like fire or water that infiltrates walls and floors, and floods the entire facility. If your home or office has suffered from mishaps like these, then you are at the receiving end of emotional trauma and financial loss. A water or fire disaster may lead to destruction of interior structural materials, furnishings, and electrical equipment and in the worst case, precious metals, jewels and cash. That is why, in the case of any sort of disaster, you need to gather your wits and focus on restoring as much as you can.

You need to act immediately to stabilize the loss and mitigate damage. Only then can you achieve the maximum recovery of items like furniture, carpeting, electronics, machinery and documents. Rapid action is needed to minimize replacement costs, as well as prevent the facility or home from getting exposed to further damage like mold. In most cases, restoration is best handled by professionals. They can carry out the entire task speedily and effectively. Add to that their trained crew who use the latest equipment, and you will see the logic behind hiring a restoration company as soon as damage occurs on your property.

However, when one does need to look up a disaster restoration company, they are often quite shaken up, even more so in the case of residential disasters. However, choosing a restoration company needs to be done very carefully as it is probably the one chance you get to fix whatever you can, post disaster. That is why we've listed below a few essential services that you must expect from a damage restoration and maintenance company.

• Providing The Solutions: The company must have skilled staff that can judge the amount of damage and determine what can be saved. They must also be able to recommend the equipment required for restoration, the process and the expected results of the same.

•Managing The Operation: The damage control company must be able to have a dedicated team that will be able to handle your case. They must also define a time period within which the restoration work will be completed with guaranteed results.

• Using The Latest Techniques: Whether it is to remove soot and clean the smoke laden walls after a fire,or dehumidification and drying of a facility post a flood or seepage, they must be able to limit indoor air quality problems and make the room/office/facility habitable quickly.

• Comprehensive Cleaning and Disinfecting: Post disaster, there are chances of allergies and infections due to remnants left behind. The company must sanitize, disinfect interior surfaces, and also eliminate contamination from mold, bacteria, mildew, and other potential biological hazards.

• Efficient Disposal and Minimal Demolition: The company must try to save as many items as it can. If however, certain portions have to be demolished, then that needs to be done in a cautious manner.

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The back porches are brought to code. Ice blasting is used to get rid of the fire odor. New vinyl siding gets installed. Homeowner Carol considers new accent colors to match. Framing begins inside.

A lingering smell is one of the biggest problems faced by victims of a house fire. Kevin finds our demo expert Ron Peik addressing that problem with a unique solution—ice. The old siding dates to the early 80’s and finding a match has been difficult. Carol has decided to put new vinyl siding on the entire house and change the color. Tom works with Charlie and siding installer Diogenes Porto on the side of the house that received most of the damage. The new siding color gives Carol a chance to change accent colors on the exterior. She meets with Mauro Henrique to pick new colors for the columns in front. In the second floor apartment framing has begun. Kevin finds Russ and his crew erecting a new wet wall between the kitchen and bathroom and moving a bathroom wall to make space for a laundry room.