Flooded Basement Cleanup

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Wednesday, November 22, 2017

Insurance

Know Your Rights!!

It is your legal right to choose any service provider you wish. Your insurance company is not allowed to require you to use a certain provider, although they often try. If you are having any problems with your selection of a provider, we will be your advocate, even if you don't choose us!

The Insured Bill of Rights

If you could afford any company for your restoration project, who would you choose? Would you choose the cheapest or the best?

If you have an insurance covered claim, YOU CAN afford any restoration contractor. In fact, it is your legal right to choose any service provider you wish. One that you feel can provide you with the service you deserve. Your insurance company is not allowed to require you to use a certain provider (preferred vendor), although they often try.

Red flags:
Go get 3 estimates.
You can’t start the project until the adjustor sees it.
You must use a preferred vendor.
Trying to settle the claim before work is complete.

If you are having any problems with selecting your provider, we will be your advocate, even if you don't choose us!

And yes. RestorationSOS® is an approved provider for every insurance company in the country and can bill your insurance company directly.

Standard Homeowner policies generally contain the same provisions throughout the United States and Canada: here are some of your rights and obligations under its terms:

Disclaimer: The following document is for educational purposes only and is not offered as legal advice but merely a general guideline for common homeowner insurance policies contain. Please be advised that any questions should be addressed directly with your insurance agent.

1. You may take, and be fully compensated for the cost of emergency steps to safeguard your property from further damage after a loss.
You have an obligation to do so under the terms of your policy. The insurance company may not be liable for additional expenses if you fail to provide such protection.

2. If you have secured adequate coverage, you are entitled to be paid for the fair cost of fully restoring your home to its pre-damage condition.
However, you are not insured for the repair of unrelated problems, code deficiencies, or prior damage.

3. You are entitled to employ and should insist upon a fully licensed and insured repair firm of good reputation.
If you do not choose to employ such a firm, the consequences and liability for any injury, damage, or other action may rest with you.

4. You are entitled to employ a firm with sufficient experience and stability in the community to stand behind its work and warranty responsibilities.
The repair contract and its performance is strictly between you and the contractor. Your insurance company does not warrant or guarantee the performance of any firm you hire.

5. You are entitled to materials and workmanship fully equivalent to your existing installation in like kind and quality.
The insurance company has no obligations to improve your existing installation.

6. You are not required to accept the lowest bid, nowhere in your policy do the words "cheapest", "low" or "lowest price" occur.
Repair rates should correspond to prevailing standards in your area for work of good quality.

7. You are entitled to receive a detailed listing of the scope of repairs and quantities of materials to be provided, before work begins.
Provision for hidden or latent problems relating to the damage should be spelled out in as much detail as possible.

8. You are entitled to and should reject any contract that does not incorporate all Federal, State, and Local requirements for residential construction work.
You must be familiar with these requirements in order to enjoy the protection the law provides.

9. You are entitled to select a firm who can demonstrate skill and experience in insurance damage repair as a full time professional service.
Ask for references, credentials, and association memberships that indicate professional training and status in insurance repair, as contrasted with ordinary home improvement work.

10. If substantial disagreement arises between you and the insurance company, over the amount of loss, you are entitled to request arbitration (“appraisal”) as described under the terms of the policy. Lines 123-140 of the Standard Homeowners Form spell out these procedures for settling differences without resorting to lawsuit.
The company also is entitled to this provision, which may be invoked at any time prior to settlement, whether or not you have received advance payments.

11. You are entitled to receive payment from the insurance company within the time specified by the policy and your State Insurance Regulations which are designed to prevent insurance companies from using delay and personal hardship to compel a lower settlement.
However, the policy also has time requirements for the policyholder, within which you must prepare and submit your claim.  Ask your adjuster or agent about these at the outset, so that you can be in compliance.

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