Freezing rain, melting snow, and ice build-up are common during Michigan winters. Unfortunately for homeowners, unpredictable weather can sometimes cause unpredictable disasters. Whether it’s a roof leak caused by ice dams or a basement flood due to melting snow or a burst pipe, it’s important to understand the process of water damage repair so you can be prepared in case of an emergency.
The first thing you should do if you have water damage in your home is contact a restoration contractor. They will extract the water, begin the drying process, and assess the damage. There are a few reasons why it is wise to contact a restoration professional before contacting your insurance company (Source).
1. You may choose not to file a claim. – Sometimes paying out-of-pocket for restoration is the best financial option. This is sometimes the case with high-deductible policies or situations where damage is minimal. An experienced restoration company will be able to advise you on whether or not you should file a claim with your insurance.
2. They take the reins. – When you call a professional first, they will handle most of the repair process for you. You will be responsible for filing an insurance claim, but from there the contractor will meet with the insurance adjuster, negotiate estimates, and manage the repair process.
3. You get to choose your contractor. – Every insurance company has preferred restoration providers that they want you to use. This is usually because they have pricing agreements in place with that company. However, it is your right as a homeowner to do your own research and select your own contractor.
When you hire a restoration company, be sure that they are licensed, IICRC certified, and experienced. Hire someone who has a good reputation and who can provide support in the time frame your project requires.
The second step in a water damage situation is to contact your insurance company. You will want to find out exactly what is covered under your policy, as each policy is different. Items typically covered by insurance include: rain or snow storm, burst/frozen pipes, water damage from extinguishing a fire, roof leaks, and accidental overflow of fixtures (Value Penguin). When you file a claim, the insurance company will send an adjuster out to assess the damage.
An insurance adjuster will come to your home to determine if your policy covers the damage. They will inspect your home and decide how much money you will receive for your claim. If you have already chosen a restoration contractor, they will be able to negotiate on your behalf to ensure that all of the damage is covered.
Once the claim estimate has been negotiated, the cleaning and restoration process can begin. The project timeline will depend on the extent of the damage, and the total budget will determine the scope of the services provided. Each restoration project is different, but Atex Builders has the knowledge and skill to guide our customers through the process. Our goal is to make it as stress-free as possible and produce outstanding results.