United Restoration is proud to be a steadfast resource to our clients, not only providing emergency services after a disaster, but also to help educate them in all areas of the restoration process. When disaster strikes your home or business, it is imperative to promptly report your claim to your insurance carrier and review your policy thoroughly. United Restoration offers 24 hour emergency response teams and onsite insurance specialists to help you get the consideration and money you deserve. Do not let the insurance company strong arm you into settling your claim for less than what you are entitled to. Let us deal with your insurance carrier so you don’t have to.
Report your claim promptly and review your policy.
Make sure you have a current copy of your Homeowner’s or Business Owners Policy and understand the perils that are covered. Get familiar with your policy, the pages that state your name, property address, insurance breakdown and endorsement codes are called your “Declaration Pages”. Make sure to check the stated dollar limits for your main coverage categories such as, Dwelling, Contents (also known as personal property), Additional Living Expenses (ALE), and Liability coverage’s if applicable.
Document your loss thoroughly
Make sure to take detailed notes of your loss, photographs and written proof of ownership can be very valuable in supporting your claim. It is important to specify all of your lost and/or damaged items. Additionally, saving receipts for all of your larger purchases may help facilitate your claim more efficiently and get you reimbursed according to your policy.
Understand your rights
Every State has its own set of legislation concerning insurance standards and procedures that insurance companies must follow. You are required to cooperate with reasonable requests for information from your insurance company, however, do not allow yourself to be rushed into a quick insurance settlement. Insurance companies will sometimes “hurry along” claims with the intention of under paying you the money you deserve. Make sure to review all documents and do not sign any waivers that release the insurer from any further obligations until you have consulted with an insurance specialist or attorney, and are fully satisfied with the settlement paid.
When filing a claim, make sure to honestly represent the actual value of your destroyed items. Sometimes people believe that inflating the value or quality of their damaged or destroyed belongings will result in more settlement monies. Falsely claiming items you do not own can jeopardize your entire claim and can ultimately lead to legal penalties.
Flood and Storm Coverage
Most commercial and residential insurance policies do not cover flood or windstorm damage. You may purchase such coverage on a separate policy.
The length of time your insurance company takes to complete processing your claim may depend on several factors. Sometimes, despite our best efforts, the insurance company may take their time to process your claim. Our internal claims department is always available to help answer any questions you may have, and offer real-time updates of your claim. Our commitment is to facilitate the processing of your insurance claim in a fair and timely manner.