Archived Why SERVPRO Blog Posts
How SERVPRO's Insurance Claims Inventory System Helps Reduce the Stress of Managing Your Claim
Insurance claims inventory system facilitates the process of managing your claim.
An insurance claim is sometimes a tricky undertaking for your average homeowner. Most people have little experience with the process, meaning they are out of their depths when speaking with an insurance agent. Thankfully, SERVPRO is a company familiar with the disaster and remediation game. The company's teams understand the vulnerability on the homeowner side and the research needs of the insurance side, which is why it created the claims inventory system — a system designed to make the entire claims process more transparent and approachable; it does this in several ways:
- Access to estimates
- Access to timetables
- Access to reports and communications
The Importance of Transparency
When a homeowner begins the claims process, they can feel overwhelmed and left out of the discussions surrounding their property. SERVPRO's stance is that the customer deserves to know what is happening with their claim and project every step of the way.
Through the company's innovative system, clients can see everything related to their project. Additionally, the company works as a sort of intermediary between the insurance company and the client, explaining everything in detail and in terms the client can understand.
Transparency breeds trust, and it is crucial when entering someone's personal space — their home. A homeowner can feel more confident in the restoration process when they are made equal partners in the discussion.
The Importance of Comparable Estimates
Homeowners are not the only ones who require transparency. The insurance adjuster assigned to your claim will also need access to files and paperwork to make a decision regarding your claim. SERVPRO's system provides access to research and comparable job reports to help the adjuster develop an accurate assessment of the damage done to the homeowner's property.
Being able to search a system and find reports for various jobs and across various states, allows the insurance agent to make accurate and fair calculations about a claim receipt. Ultimately, the system helps insurance establish estimates for coverage while ensuring homeowners receive a fair analysis through current reports.
What You Can Do To Make Insurance Claims Easier
If you want to make an insurance claim easier, it comes down to preparation. After any disaster, you will need to create a loss inventory — a list of all property damaged or destroyed in the disaster. It is best to find receipts for all damaged and lost goods and to take pictures of all the damage. You can present all of this information to the adjuster when they arrive.
The disaster restoration service can help you compile all necessary information. The teams working for these companies understand what is involved in the claims process and will have no problem walking you through it.
How SERVPRO's Claims Inventory System Helps
The primary benefit of the claims inventory system is that it places all pertinent information in one place. There is no need to dig around filing cabinets or do exorbitant amounts of off-site research.
The insurance claim process can be overwhelming if you are not used to it. Thankfully, SERVPRO's system and technicians in Clearfield, UT, can help make the entire process easier.
How To Minimize Water Damage After a Burst Pipe
A broken pipe can make appear moisture and mold problems.
Discovering a broken pipe in your Clearfield, UT, commercial building can be an anxiety-provoking event. Seeing standing water inside might have you in a panic, wondering what to do next. You probably won't be able to prevent water damage after a pipe burst, but there are steps for keeping it to a minimum.
1. Shut Off the Building's Main Water Supply
First, you need to shut off the building's water supply at the main valve to stop the influx. This action will minimize the flooding and standing water as much as possible.
2. Examine the Area for Damage
After you've stopped the water flow, it's essential to examine the area thoroughly. Be sure to locate all the affected areas and materials.
3. Extract the Water
Next, the standing water inside needs to be removed as quickly as possible. Every minute counts when it comes to a moisture problem, whatever the size. Typically, the most efficient way of extracting standing water is by using a wet/dry vacuum. It can safely and quickly remove the liquid and smaller floating debris.
4. Dry the Area
You must dry the area thoroughly after water pipe cleanup. The more prolonged moisture lingers in the area, the more damage will occur from water and mold growth. Mold can begin growing within 24 hours of water contact, so it's essential to dry it as quickly as possible. Use dehumidifiers, fans, heat, and open windows and doors.
5. Contact Professionals
After a pipe burst of any size, it's most beneficial to call professionals, such as plumbers and flood damage restoration professionals. They'll thoroughly inspect the area and repair any damage, from the broken pipe itself to mold remediation.
Flowing water inside your building is never a good thing if it's due to a broken pipe. You can't always prevent these occurrences, but knowing what to do beforehand helps minimize the loss.
Can Wet Materials Be Salvaged?
Avoid your Clearfield, UT, home get damaged by a leaking pipe.
Routine home maintenance is a good way to identify a water loss. If a sudden loss occurs in your clients' home in Clearfield, UT, however, it can cause a lot of damage such as swelling wood in a short amount of time. The water restoration experts you recommend to your clients can lower the cost of their claim by identifying materials that can be dried rather than replaced.
Identifying Contamination Level
One factor that determines whether materials must be torn out is the level of bacteria present in the water. There are three main levels of contamination that can occur in homes:
- Category 1 - clean water from a pipe or supply line
- Category 2 - dirty water from an appliance leak
- Category 3 - contaminated water from sewage or storm flooding
The cleaner the water, the more likely it is that affected materials will be able to be saved. For example, wet drywall can usually be dried thoroughly. If, however, the wall is also laden with bacteria, it may need to be torn out and replaced, which will likely result in a higher claim cost.
Determining Saturation Level
Hardwood floors are particularly susceptible to water damage. Swelling wood or buckling floorboards are both telltale signs that the flooding has damaged the floor beyond repair. In addition to quick water pipe repair, early detection is the key to minimizing the risk of this happening. The longer standing water sits on the floor, the more damage it causes. When you make SERVPRO a preferred vendor, you can rest assured that the technicians will arrive in a timely manner so that they can catch water damage before it goes too far.
Your clients may not be able to avoid replacing swelling wood or contaminated materials, but a lot of water damage can be repaired if they catch it early enough. Referring them to reliable mitigation experts reduces their claim and thus your payout.
What Happens to Building Materials When They Get Wet?
A flood can lead to several types of damage
A home flood is nothing to take lightly. However, most people don't realize just how deep the waters can flow. No matter what type of water is infiltrating your home, swelling wood and wet drywall are just two types of potential underlying structural damage. Destruction will increase with every moment moisture lingers in the house.
It's vital to begin the remediation process as quickly as possible to avoid the following types of damage:
Types Of Damage Due to Flooding
Flooding will often damage drywall because it's a porous material and wicks the water up like a sponge. The drywall will then become frail or may even begin to crumble. If the entire wall hasn't suffered damage, you can cut out and replace only the affected areas.
Water-soaked drywall can easily lead to water-damaged insulation. You'll have to replace it, but only after work like water pipe repair has been completed and after the structure is dried thoroughly.
Waterlogged wood immediately begins expanding. Swelling wood can create various problems that are at risk of affecting your home's structural integrity. If you notice cracking around your door jambs or have trouble closing some of your doors that used to shut easily, it's a sign that your house's frame is enduring an extreme amount of pressure. Ignoring the issue can eventually lead to severe foundation problems.
Mold can begin growing within 24 hours of moisture exposure. Therefore, you must begin cleaning and drying the area immediately. If you suspect the water has been there for more than 24 hours, hiring water damage restoration specialists is highly recommended. They can investigate for mold and follow proper procedures for safe removal.
5. Electrical Systems
Water can severely damage your electrical system. You may have outlets that don't work or ones that frequently short circuit. These problems can be a fire hazard, so it's crucial to get your electrical system inspected and repaired immediately.
If your Clearfield, UT, home floods, whether from a ruptured supply line or heavy rainfall, the resulting loss will essentially be the same. Specialists must inspect the home for damage such as swelling wood to ensure its structural integrity.