When you experience damage to your home, you want it to be properly mitigated and repaired as quickly as possible. Perhaps even more important however \u2013 you want to make sure that your insurance company is paying for it!<\/p>\n\n\n\n
And that can cause a bit of frustration, as insurance companies can sometimes drag their feet when confirming coverage or outlining what specific coverages are applicable to your claim. <\/p>\n\n\n\n
This can create significant delays and a tremendous amount of unease and confusion for homeowners & business owners, and we don\u2019t blame you. So what happens when your insurance company won\u2019t confirm coverage and what are your options and responsibilities? Let\u2019s take a look.<\/p>\n\n\n\n
Your insurance company will likely stress that you\u2019re obligated under your policy to act as quickly as possible to address the damage that occurred. This is important, as further damage may be your responsibility. This is why emergency work, such as water damage mitigation and boardup services are regularly approved and performed without an estimate being prepared beforehand.<\/p>\n\n\n\n
However, we completely understand your concern if you want to confirm coverage first. It\u2019s perfectly reasonable for a homeowner to not feel comfortable writing a blank check not knowing if their insurance company will ultimately pay for the work being performed. While we often can contact the insurance company to verify coverage and receive approval for the emergency service work, sometimes the insurance company is unable to do so right away.<\/p>\n\n\n\n
When you experience an insurance claim, your insurance company\u2019s primary job is to confirm coverage and pay for the work being performed. Most insurance companies and insurance adjusters strive to do just that and fully understand your hesitation to proceed with costly work without first knowing that the work is covered by your insurance policy. <\/p>\n\n\n\n
Once coverage is confirmed the work should be able to progress without the fear of an unexpected out-of-pocket cost. Qualified mitigation and restoration contractors will be able to work with your insurance company to seek the necessary approvals and provide any required documentation in order to facilitate the process.<\/p>\n\n\n\n
While uncommon, sometimes things fall through the cracks and the insurance company fails to make a timely coverage determination. Sometimes they may even require an inspection by a field adjuster before coverage can be confirmed. <\/p>\n\n\n\n
Your insurance company will expect you to proceed with the mitigation services in the meantime and without knowing if the work is covered. This can be a scary thought for a homeowner or business owner and that\u2019s completely understandable. As a result, we strongly recommend actively following up with your insurance adjuster for a coverage decision. <\/p>\n\n\n\n
If you don\u2019t feel like you\u2019re getting anywhere with your insurance company and your mitigation company has been unable to confirm coverage with the insurance company, there are a few steps you can take.<\/p>\n\n\n\n
We hope this information was helpful in answering some common concerns about insurance coverage. If we can ever be of any assistance, please do not hesitate to contact our offices.<\/p>\n\n\n\n
Disaster Blaster is an indoor environmental firm serving the Northeastern PA Area. We have been providing our local area with unparalleled water damage mitigation, mold remediation, asbestos abatement, radon mitigation, basement waterproofing, and fire \/ smoke restoration services for decades, and are proud to have been named The World\u2019s Greatest Indoor Environmental Firm. For more about Disaster Blaster, as well as more helpful tips, please visit our website at: www.disasterblaster.com<\/a> or call our office at (570) 963-1123.<\/p>\n","protected":false},"excerpt":{"rendered":" When you experience damage to your home, you want it to be properly mitigated and repaired as quickly as possible. Perhaps even more important however… <\/p>\n","protected":false},"author":3,"featured_media":816,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[8,5,30],"tags":[],"class_list":["post-815","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home","category-life","category-tips-for-your-home"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/posts\/815","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/comments?post=815"}],"version-history":[{"count":1,"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/posts\/815\/revisions"}],"predecessor-version":[{"id":817,"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/posts\/815\/revisions\/817"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/media\/816"}],"wp:attachment":[{"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/media?parent=815"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/categories?post=815"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goodstuffconnections.com\/index.php\/wp-json\/wp\/v2\/tags?post=815"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}