Emergency restoration services, and subsequent reconstruction, are typically covered by property insurance. The sole purpose of an insurance adjuster is to protect the interests of the insurance company, which are diametrically opposed to those of the insured. Fair compensation governed by the tenets of an insurance policy are twisted with half-truths and doublespeak to devalue or deny claims.
Fire damage 4can be devastating for any property owner, leaving behind a trail of destruction that is not only unsightly but also hazardous. Whether it's a minor fire or a major blaze, the aftermath can be overwhelming, leaving you feeling helpless and unsure of where to turn. That's where professional fire damage restoration services come in.
Emergencies, are unexpected, and often dangerous situations requiring immediate action. Restoration, is the act or process of returning something to its original condition. Combining the words forms the term Emergency Restoration, which dictates literal translation and strict adherence to achieve the most effective result.
Emergency restoration organizations are predominantly run by conscientious professionals who are sympathetic to the plight of their customers. Unfortunately, there are predatory practitioners eager to exploit victims of disaster that are a pitfall to recognize and to avoid. Such behavior is most prevalent when armies of malcontents known as ‘fire damage chasers’ solicit property owners, often before emergency crews have extinguished the fire.
Homeowners insurance provides compensation for events protected under the policy that require emergency restoration services. Covered events can indemnify the policy holder against damage to the home, yard and other structures, personal belonging as well as personal liability if found legally responsible for damage or injury to another. Although homeowner’s insurance is not mandated by law, lenders universally require a policy remain in place for the length of the mortgage to protect the investment. Encumbered properties are subject to force-placed insurance if their policy has lapsed, is cancelled, or has been deemed insufficient. Creditor-placed ‘force’ policies provide rudimentary coverages that protect the mortgagors interests alone and are charged to the mortgagee.
In very basic terms, dry ice blasting involves "blast cleaning" a surface with compressed air, and dry ice particles, usually in the form of dry ice pellets. Fine CO2 (dry ice) particles are "blasted" on to a surface, the unwanted contaminants freeze and fracture, then an explosion of energy takes place, resulting in the thorough removal of the unwanted coatings. This non-destructive method of safely cleaning surfaces and/or removing unwanted coatings has become the preferred method to remove smoke soot, vaporized synthetic resins, and char associated with fire damage restoration. Furthermore, dry ice blasting can eliminate the musty burnt smell that results from fire, smoke, and water damage.
After sustaining damage to your property that the insurance adjuster confirms as covered, the adjuster will then strongly suggest that you use a restoration service from their preferred list of vendors. They may or may not also inform you that you have the right to use a contractor of your choice to perform the repair work. Under the Insurance contract it is clearly outlined that the policy holder is responsible for the outcome of the “claims process”, however insurance companies’ routinely attempt to convince the insured to use an emergency restoration contractor from their vendor program.