Negotiating Emergency Restoration Claims

Emergency Restoration Claim

Following an event requiring emergency restoration services, unseasoned claimants usually become disenchanted by the propensity of insurance companies to renege on their contractual obligations. Insurance adjusters are focused on limiting the financial liability of the insurance company. The job is predicated upon the discovery of a mechanism by which they can limit or deny compensation for a claim. Without knowledge of the medium, insurance claimants are at a distinct disadvantage.

Understand Your Policy

Prior to an event requiring emergency restoration services, first time claimants often have little knowledge of their property insurance coverage.  Thoroughly understanding policy declarations before experiencing a loss is essential to establishing comprehensive coverage and negotiating a positive outcome.

Counterproductive Communication

Policyholders frequently undermine their own claim when evoking indemnification for a loss.  Insurance company personnel are trained to manipulate unwary claimants into damaging speculations designed to derail any chance at fair compensation. Recount only the facts, adding no embellishment.  Acknowledge personal limitations and defer to emergency restoration services professionals when questioned by insurance company personnel.

Recorded Statements

Insurance companies routinely request a recorded statement after a loss. Claimants are under no legal obligation to submit to being recorded.   Recorded statements can be used by insurance adjusters to limit or deny indemnification. If submitting to being recorded, be concise and state only verifiable facts.  Consistency is key, recanting a recorded statement can derail a legitimate insurance claim.

Report Losses Immediately.

After experiencing a loss, every insurance company requires the insured to mitigate circumstances in a timely manner. File the claim immediately. Prolonged reporting delays can lead to accusations of negligence resulting in avoidable damage. Insurance adjusters will use any delay in filing to limit or deny coverage, alleging that some deadline was missed.

Negotiate the Settlement

Insurance adjusters are charged with undervaluing claims. Accepting the initial settlement offer will undoubtedly result in an underfunded claim. Negotiating for fair compensation is necessary following virtually every event requiring emergency restoration services. Any negotiation should be supported by facts and evidence. Supporting documentation provided by the emergency restoration professional and other contractors enlisted to provide services are essential bargaining tools. In addition, polite persistence is a powerful negotiation tactic to achieve a satisfactory settlement.

Emergency Restoration Services

Property Recovery 911 specializes in emergency restoration services that include water damage restoration, fire damage restoration, mold remediation, biohazard cleanup and a variety of ancillary offerings. If your property has sustained damage requiring emergency restoration services, Contact Us, the emergency restoration experts, at (267) 808-7200. We are available any time of day or night 365 days a year with 24/7 live phone support to efficiently mitigate losses and help curtail additional damage.