Insurance

A covered loss is damage in your home that is determined in your policy to have repairs paid for by your insurance company.

Calling a licensed and bonded water damage contractor to evaluate the damage is the best first step. The water damage expert can provide beneficial information such as source, timeline, and whether the work will cost more than your deductible.

A deductible is a pre-determined amount in your policy that you are required to pay before insurance begins paying for a bill. Your deductible is typically paid to the repair contractor.

A property damage is worth filing a claim for if the total (Plumbing, Packing, Water mitigation, and Repairs) is more than your deductible. A typical deductible amount is $1000.00 and so in most cases, the total is going to be over your deductible and worthy to file a claim with insurance.

The first step is to request your insurance company show exactly where in your insurance policy it states that the type of loss is not covered OR look through your insurance policy and find the location where it specifically says the source of your loss is not covered. We would be happy to help look through your policy as well and be your advocate for your loss being covered. Please do not hesitate to message our restoration experts for further help looking through your policy!

If your insurance claim has been denied and you have confirmed in your policy that it is not covered, we have In House financing options. Due to the extreme health risks of mold and cost of repair increases in long term damage, it is vital that water damage not be left unaddressed.

No, in the State of Washington you have the freedom to use any licensed and bonded Water Damage Contractor you choose. You are not required to provide multiple bids to your insurance company for your insurance company to choose from.

Insurance companies like preferred vendors because they ultimately save the insurance company more money. Preferred vendors have agreed to discounted prices and have agreed to follow only the insurance company’s direction on a project.

A Preferred Vendor is a company that has a contract with your insurance company and works directly with them. The Benefits of a Preferred Vendor is the technicians have usually been background checked and the customer is minimally involved. The Disadvantages to a Preferred Vendor is that due to the contract and agreed discounted rates with your insurance company, the project is completed with the Insurance’s best interests in mind, and not your family’s.
An Independent Vendor is a company that works directly for you but can still bill your insurance company directly. The Benefits of an Independent Vendor is that they work directly for your family and with your family’s best interest in mind. An experienced Independent Vendor such as IICRC Certified Firm Premier Emergency Water Removal will also work with your insurance company directly to complete covered work and still background check their technicians. The Disadvantages to an Independent Vendor is that the client will need to find a quality IICRC certified firm to complete the work in their home.
We would be happy to help make the best decision for your family’s individual needs.

Water mitigation typically takes 4-6 days to be completed.
Construction repair companies typically schedule about 3 weeks from when a customer inquires about their services. Depending on how many rooms were affected and what materials had to be removed from the home, physical repairs typically take between 6-8 weeks to complete.

If contents are covered in your insurance policy, insurance typically will request a list of Brand, model, and condition of the items and as well as photos for documentation. Once that is received your adjuster is required to review and issue payment in a timely manner.

Renters insurance strictly covers the Renters items in the home and Additional Living Expenses (ALE), Renters insurance does not cover the property itself.
Homeowners insurance covers damage to the property and the contents of the home owner. Homeowners insurance will not cover the contents of a renter.

Most insurance policies cover Additional Living Expenses (ALE). Contact your adjuster and explain that the home cannot be lived in during work. Your insurance will be required to reimburse for the hotel stay immediately.

First step is to notify the homeowner of the property that damage has occurred. Depending on preference either the Homeowner may call out a qualified contractor or the renter may call out a qualified contractor.
If personal items have been damaged or need to be moved, confirm whether the value of the items, the cost pack contents out and back, or Additional Living Expenses (ALE) are more than your deductible. Our packing specialist would be happy to help walk you through the process.

We would be happy to provide a very thorough moisture analysis and advise whether the work will be over your deductible OR provide a rough estimate of the likely cost to repair your home from Water or Fire. Please be advised that damage is extremely hard to estimate as once materials begin being removed, often times more damage is found. You will be notified immediately if more damage is found.

Loss: An occurrence of damage to one’s property
Pre-loss Condition: The state in which the damage never occurred
Contents: Personal items located on the property
ALE: Additional living expenses. This may include Hotel stay and Food.
IICRC Certified: The IICRC is the Global standard for restoration. A qualified contractor must be IICRC certified to perform Water or Fire restoration.