Important Water Damage Insurance Information

If you don’t have experience dealing with insurance claims it could be a real disadvantage. Big Dog Restoration has 38 years experience restoring and documenting water losses. We understand the process, and know how to get things done. For the insured the single most important part of claim is clearly understanding your rights, responsibilities, and coverage. No restorer, including us can tell you exactly what your insurance policy may or may not cover as every insurance policy is different. We do however have more than three decades experience and can offer invaluable insite on how you the insured can avoid making some serious mistakes. Here are 5 things that every insured should know.

5 Things Every Insured Should Know

1. You may not want to immediately call your insurance company.

You should always take action to address a water loss right away, however calling your insurance company immediately may not be in your best interest. There are a number of extremely important decisions and considerations that should be addressed before contacting your carrier. It’s often what we don’t know that can contribute to disadvantages that could have been avoided. Call us we’d be happy to explain.

2. You are entitled to choose whomever you wish to handle your restoration.

It’s your right to choose the most experienced, best qualified restoration company to restore your home or business. In fact, it is against the law for insurance companies to pressure, steer, or push you to accept their “preferred contractor”. With something as valuable as your home or business it’s wise to look for the most qualified, unbiased, restorer you can find.

3. Understand who your restorer works for.

“Preferred Contractors” work for and under the direction of the insurance company. The challenge is; what is in the best interest of an insurance company is not often in the best interest of the property owner. Big Dog Restoration works only and directly for our clients and always puts them first, not an insurance company.

4. Managing an insurance claim is a process.

If you don’t have experience dealing with insurance claims you’re at a disadvantage. Understanding the insurance claim process, what to say, when to say it, and most importantly what not to say is critically important. For more than three decades we’ve helped our clients take control of the situation by educating them about the process. Understanding the process and knowing what you can expect helps eliminate unnecessary stress.

5. Agents and Adjusters – there is a difference.

Your agent loves you, and wants to keep you happy. Your agent will do what they can to assist you during a claim but it’s the adjuster(s) who have the greatest control during the claims process. There maybe a number of adjusters involved with a  claim. Field Adjuster, Desk Adjuster, Mitigation Adjuster, and possibly an Independent Adjuster just to name a few.  Most adjusters do a good job processing claims, however that is not always the case. If a claim is improperly handled we know what action to take, and how to get things moving.

"Cleaning, Restoration, and Rescue. It’s what we do."

We Donate to animal rescue from every job!

At Big Dog Restoration our primary goal has always been excellence in cleaning and restoration. As part of our mission we strongly support Animal Rescue. We provide financial support, and work directly with adoption, rescue, and foster organizations. We would like to personally thank each and every customer for helping us with this effort. Without you, our financial contributions and support of these rescue groups would not be possible.

Thanks for helping us help them!

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