Following a distaster, it’s important to know what steps you need to take to ensure that your home gets the expert care and attention that it needs. Total Restore Inc. has created this in-depth Home Restoration Process Guide which will walk you through the steps you need to take in order to get your home and your life back to normal.
Assess the Damage
- Do not begin to clean up yourself; this can possibly hurt your claim. Total Restore will arrive on the scene and begin to collect extensive evidence and document the damage; insurance companies require detailed and documented proof of a loss. Some work might be performed immediately once we arrive on the scene to mitigate any further damage.
- Factoring in your insurance policy, the extent of the damage, and the amount of your deductible, you will need to decide if it makes sense to file an insurance claim or to handle the damage privately.
- Once the damage has been assessed and the authorization agreement has been signed, Total Restore will begin mitigating the damage. Remember Total Restore will always cover all walkways with either a drop cloth or plastic as we do not want to contaminate the rest of your home.
Insurance Adjuster Inspection
- An adjuster is a representative from the insurance company who will investigate your claim. There is no set time when they will arrive, it will depend on their workload; their visit could be anywhere from 48 hours to two weeks after your claim is filed.
- The insurance adjuster is the person that will recommend to the insurance carrier on the sum of money to be distributed. The adjuster’s job is to make sure the insurance pays out as little as possible on the claim; Total Restore works for YOU and will always try to maximize payout, giving realistic quotes. Typically, Total Restore and the adjuster will not have similar prices in mind; this is where our negotiating skills come into play.
Receive Claim Money
- After negotiation, both parties will reach a final agreement regarding the sum of claim money you are entitled to. You’ll receive a check which can be put towards repairing, building or even upgrading your home. If you have a mortgage over $10,000, the check is often made out to the consumer and the mortgage company (which can be a hassle to cash). If the homeowner outright owns the home, they will receive the check directly. Some insurance companies also pay disaster relief companies directly for the emergency services and pay a separate check to the homeowner.
Repair, Rebuild, or Upgrade
- Once Total Restore has received the mitigation check, it’s time to repair, rebuild or upgrade your home! With depreciation factored in, the homeowner typically will not receive full replacement value for damaged items; this means you might have to contribute some of your own money to restore your home back to “normal”. Many homeowners who experience disasters choose to turn their negative experience into a positive one by upgrading their home. YES, you can use insurance money (and likely some of your own money) to build some of the home upgrades you’ve been dreaming about!
The Total Restore Difference
- BBB accredited.
- We offer 24/7 support and a fast response time.
- NOT a national or franchised business. We are a local business that’s involved in the community!
- Total Restore uses a plant-based, hospital grade disinfectant to clean, no harsh chemicals or odors.
- We handle the collecting evidence and photos processes for documentation purposes; Total Restore helps with all the paperwork and negotiation with the insurance companies.
- The Insurance company is looking out for their best interest, we look out for yours.
- Once a disaster has occurred, it’s crucial that you IMMEDIATELY call a Damage Restoration Company.
- The longer damage sits untreated, the larger of a repair bill you will face.
- Damage should be assessed before calling your insurance company; if the cost of mitigating/rebuilding the damage is less than your deductible, you might not want to file an insurance claim.
- If an insurance claim needs to be filed, most insurance companies pressure you to blindly use their ‘preferred provider’ to complete the work, and they’re typically not on your side. These ‘preferred providers’ work for the insurance company, not for you.
- BY LAW, it is your right to choose your OWN disaster relief company. You have the right to research and select a company that will fit you best.