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No matter the time of year or the season, flooding can happen to any home or business. When it does, the immediate thought most have is, “Who is going to pay for all of this?”
Most then call their insurance company, since events like flooding is why insurance is purchased in the first place. For some reason, many flooding issues occur at night or on the weekend, when your local insurance company is closed. You call, leave a message, and wait …and wait. They may never call you, or at best call you when you are solidly in panic mode, and the reason may be because they aren’t the ones to handle your claim in the first place. They sell the insurance. They may not service the insurance claim. Most likely, you need to call a national emergency hotline number. You should always have that on file and ready just in case something happens to your home.
When you reach your insurance company, or at least the part of it that makes decisions on paying for the repairs, you may be told to use a specific contractor, a local firm the insurance company has a special relationship with. It may not be the company you want to use. But always remember this: It’s your decision who you use to work on your home. Of course, you may have to fight for your rights.
This being said, using the contractor recommended by the insurance company may not be a bad idea. That company may be completely qualified and know exactly what your home needs to get back to pre-flood condition. But no matter what, it’s your decision. Getting references and looking at reviews should always be a priority when hiring a contractor to work on your home. Also make sure the company you select is certified through IICRC (Institute of Inspection Cleaning and Restoration Certification) and RIA (Restoration Industry Association).
Be sure to document everything, including the time you spend on cleaning up the mess. Take pictures. The more documentation and pictures you have, the better you can negotiate how much of the damage will be covered by your insurance policy. You will have to pay the deductible, but quite often the time you spend and your own resources used to work on the flood is credited to you. It’s a conversation to have with your insurance company and your contractor.
No matter what, though, do the right thing. Call your restoration company immediately when a flood occurs to prevent further damage. After all, it pays to call a pro! Rely on K-tech Kleening & Restoration of Northcentral Wisconsin.