Have you ever had to decide on a restoration contractor following a fire loss for your home? Have you found yourself pondering the distinctions between an independent Fire Restoration Contractor and a contractor invited to your property by your insurance adjuster following a fire loss?
San Diego Restoration, Inc. is a highly specialized, independent contractor, with a singular focus on fire restoration basement water removal atlanta. At SDRI, ensuring that owners can trust their restoration contractor holds great significance; in the words of Dion San Martin, an SDRI representative, “Your Most Trusted Restoration Contractor” is more than just a slogan.
“Following a house fire, property owners are thrust into the complex and often unfamiliar arena of property damage insurance claims. Upon meeting these individuals in the early stages of the claims process, it is evident that they are frequently uncertain and unclear about the appropriate course of action. Unfortunately, many homeowners are unaware of the best practices that should be implemented immediately after a fire loss, leading them to place their trust exclusively with their insurance adjusters. However, In my experience, this faith often results in the property and property owner receiving an inadequate level of care. “
“In many cases, the claims process commences with insurance adjusters inviting their preferred contractors onto the premises to estimate the damages. These contractors typically prompt the insured party to sign a “Work Authorization” form, which can be misleading and perceived as a contract or service agreement with an unknown, unverified contractor. Such authorizations might contain poor legal language that exposes the insured individual to significant risks, such as unexpected out-of-pocket expenses or direct payment to the contractor from the insurance carrier. Signing these documents initiates a hidden process of communication between the insurance adjuster and the preferred vendor, enabling the latter to take advantage of the insured party’s lack of knowledge.”
“Most property owners lack the knowledge necessary to determine the best course of action following a fire loss. Given that the claims process moves swiftly, with adjusters often arriving just a few days after the loss has occurred, it is imperative that property owners understand their options in advance. A range of preferred vendors may suddenly appear, seeking authorization to commence repairs, carry out contents cleaning, and contents handling of the insured party’s belongings. The insurance adjuster may quickly approve payments for a preferred restoration contractor initiate cleaning and moving contents off-site, neglecting to inform the insured party of their full range of benefits under their insurance policy.”
“As fire restoration practitioners, we convey best practices to the property owners, offering up-front explanations of our services without attempting to pressure them into hasty signing a work authorization with dense legal terminology. Our work authorization forms are simple and straightforward, outlining basic services to include, repair cost estimates, emergency services if required, and full project management services. We believe that by slowing down the process, we can empower the insured party with all the information they need to make informed decisions before the commencement of work. This provides clear insight into the cost of services and repairs, maximizing the effectiveness of the insurance benefits in repairing the property. We take the time to explain the proper process for fire restoration, rebuilding, and smoke remediation, which is usually not carried out adequately by the insurance company’s preferred vendors. In most cases, insurance adjusters only approve basic line items such as ozone and smoke-sealant, without removing the soot and smoke through techniques such as dry-ice blasting, hepa vacuuming, deodorizing, air scrubbing, and encapsulating with sealant. “