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Working with Insurance after a Claim
Admin • Nov 30, 2023
Handling an insurance claim after a fire can be a complex process, but with the right approach, you can navigate it effectively. Here are the steps to follow:
1. Contact Your Insurance Company:
- Notify your insurance company as soon as possible after the fire. Your policy documents should include a contact number for claims reporting.
2. Review Your Policy:
- Familiarize yourself with your insurance policy to understand your coverage, limits, deductibles, and any specific provisions related to fire damage.
3. Document the Damage:
- Take photographs and videos of the fire damage and any affected items. This visual documentation is crucial for your claim.
4. Make a Detailed Inventory:
- Create an itemized inventory of all damaged or lost items. Include their descriptions, estimated value, purchase price, and the date of purchase if available.
5. Secure the Property:
- If the property is not safe to enter, secure it by boarding up windows and doors to prevent unauthorized access and further damage.
6. Request Advance Payments:
- Depending on your policy and the extent of the damage, you may be able to request advance payments from your insurance company to cover immediate living expenses, such as temporary housing.
7. Work with Your Insurance Adjuster:
- Your insurance company will assign an adjuster to assess the damage. Provide them with all necessary documentation and cooperate fully during their inspection.
8. Mitigate Further Damage:
- Take steps to prevent further damage to your property. This might include covering the roof if it's damaged, blocking off damaged areas, or preventing further water damage if it's caused by firefighting efforts.
9. Understand the Claims Process:
- Familiarize yourself with the claims process, including how payments are made, what's covered, and any policy-specific procedures for fire damage claims.
10. Keep Records: - Maintain detailed records of all interactions with your insurance company, including names, dates, and topics discussed. This documentation can be crucial if disputes arise.
11. Be Patient and Persistent: - The claims process can sometimes be slow or involve requests for additional documentation. Be patient, but also persistent in following up and providing requested information promptly.
12. Seek Professional Help if Necessary: - If you encounter challenges or disputes in your insurance claim, consider consulting with a public adjuster or attorney who specializes in insurance claims. They can provide expert guidance and negotiate on your behalf.
13. Review Your Claim Settlement: - Carefully review the claim settlement offered by your insurance company. Ensure that it covers the full extent of your losses and damages.
14. Sign a Release: - Before you receive any insurance payment, your insurance company may require you to sign a release form, which finalizes the settlement. Ensure you are satisfied with the terms before signing.
15. File a Complaint if Needed: - If you believe your insurance company is acting unfairly or unreasonably, you can file a complaint with your state's insurance department. They can investigate your case and advocate on your behalf.
Remember that handling an insurance claim after a fire requires patience and thorough documentation. It's essential to be prepared, persistent, and, if necessary, seek professional assistance to ensure you receive the coverage you're entitled to for your fire damage.
As a reputable and IICRC Certified Water Damage Restoration contractor, MacPro Restore is here to help. We can help you determine if the damage warrants professional dry out and or an Insurance claim. We are just a phone call away.
Call 515-257-6010 to get help now in the Des Moines area.
MacPro Restore Offers 24 hour Emergency Service for the following services and areas
Water Damage, Fire Damage, Mold Damage
Areas Served
Polk County
Alleman, Iowa
Altoona, Iowa
Ankeny, Iowa
Bondurant, Iowa
Carlisle, Iowa
Clive, Iowa
Des Moines, Iowa
Elkhart, Iowa
Granger, Iowa
Grimes, Iowa
Johnston, Iowa
Mitchellville, Iowa
Norwalk, Iowa
Pleasant Hill, Iowa
Polk City, Iowa
Runnells, Iowa
Sheldahl, Iowa
Urbandale, Iowa
West Des Moines
Windsor Heights
Dallas County
Adel, Iowa
Booneville, Iowa
Bouton, Iowa
Dallas Center
Dawson, Iowa
De Soto, Iowa
Dexter, Iowa
Granger, Iowa
Linden, Iowa
Minburn, Iowa
Perry, Iowa
Redfield, Iowa
Van Meter, Iowa
Waukee, Iowa
Woodward, Iowa
Medora, Iowa
Milo, Iowa
New Virginia, Iowa
Newbern, Iowa
Norwalk, Iowa
Warren County
Ackworth, Iowa
Avon, Iowa
Avon Lake, Iowa
Carlisle, Iowa
Churchville, Iowa
Cool, Iowa
Cumming, Iowa
Hartford, Iowa
Indianola, Iowa
Jamison, Iowa
Lacona, Iowa
Lakewood, Iowa
Liberty, Iowa
Liberty Center, Iowa
Martensdale, Iowa
Orillia, Iowa
Palmyra, Iowa
Prole, Iowa
Saint Marys, Iowa
Sandyville, Iowa
Other Cities
Ames, Iowa
Baxter, Iowa
Boone, Iowa
Colo, Iowa
Huxley, Iowa
Legrand, Iowa
Marshalltown, Iowa
Nevada, Iowa
Newton, Iowa
State Center, Iowa
Story City, Iowa
Prairie City, Iowa
Monroe, Iowa
Mingo, Iowa
Colfax, Iowa
Reasnor, Iowa
Knoxville, Iowa
Scotch Ridge, Iowa
Spring Hill, Iowa
Summerset, Iowa
How to keep your pipes from freezing in Des Moines, IA.
Our team responded to a water damage restoration in Waukee. Client had been on vacation and came home to a broken water line from the dishwasher. Unfortunately, the line had flooded the basement and most of the interior drywall had to be removed. Within two weeks we had the client taken care of and the reconstruction underway.
Our Client in Ankeny had a Water Damage Emergency caused by a toilet overflow that would not shutoff. The water leaked into the kitchen and down into the basement. We assisted this client thru the process and helped her get back some sanity during a stressful time.
We had the pleasure of restoring this clients deck in Ankeny. While we were there we stripped and re stained the wood furniture to match.
Our Client had a hail claim and a small growth inside the closet of their home. During inspection we found the attic to be heavily impacted with microbial growth. We acted fast to work with her carrier and once approval was obtained, we moved forward with remediation and assisted the homeowner during every step of the claims process including the roofing, insulation, and interior reconstruction.
Hiring a professional after water damage is crucial for several important reasons: 1. Expertise: Professional water damage restoration experts have the knowledge, training, and experience to assess the extent of the damage accurately. They understand the complexities of water damage, including potential structural issues, mold growth, and health hazards. 2. Rapid Response: Professionals respond quickly to water damage emergencies, helping to prevent further damage and mitigate the risk of mold growth. Their rapid response can save time and money in the long run. 3. Specialized Equipment: Water damage restoration professionals have access to specialized equipment and tools, including industrial-grade pumps, dehumidifiers, moisture meters, and infrared cameras. These tools are essential for thorough water extraction, drying, and monitoring. 4. Thorough Water Extraction: Removing water and moisture from affected areas is critical to prevent structural damage and mold growth. Professionals use powerful equipment to ensure thorough water extraction. 5. Mold Prevention: Water damage often leads to mold growth if not addressed promptly and correctly. Professionals have the expertise to identify potential mold risks and take measures to prevent its development. 6. Safety: Water damage can compromise the safety of your property. Professionals identify hazards like electrical issues and structural damage, ensuring that safety is a priority during the restoration process. 7. Insurance Guidance: Water damage restoration professionals work with your insurance company to help you navigate the claims process, providing documentation and expertise to maximize your coverage. 8. Health Protection: Water damage can lead to health hazards, such as mold and contaminated water. Professionals take precautions to protect your health and ensure that your property is safe to inhabit. 9. Restoration to Pre-Damage Condition: Professionals aim to restore your property to its pre-loss condition. We repair and replace damaged materials, ensuring that your home or business looks and functions as it did before the damage occurred. 10. Time and Cost Savings: Prompt and professional water damage restoration can save you time and money by preventing further damage, reducing the risk of long-term structural issues, and minimizing the need for extensive repairs. 11. Peace of Mind: Dealing with water damage can be overwhelming. Hiring professionals provides peace of mind, knowing that experienced experts are managing the restoration process, allowing you to focus on rebuilding and moving forward. Hiring a professional after water damage ensures a thorough, safe, and effective restoration process. It minimizes the risk of long-term issues, maximizes insurance coverage, and offers peace of mind during a challenging and stressful time. As a reputable and IICRC Certified Water Damage Restoration contractor, MacPro Restore is here to help. We can help you determine if the damage warrants professional dry out and or an Insurance claim. We are just a phone call away. Call 515-257-6010 to get help now in the Des Moines area. MacPro Restore Offers 24 hour Emergency Service for the following services and areas Water Damage, Fire Damage, Mold Damage
In the ever-changing landscape of the insurance industry, one constant remains – the need for trusted partners who can help your clients when disaster strikes. As property insurance agents, you play a crucial role in protecting your clients' assets, and we believe that our restoration company can be a valuable asset in your arsenal. In this blog post, we'd like to explain why referring our restoration company to your clients can be a win-win for everyone involved. 1. Expertise and Experience: When it comes to water damage restoration, expertise and experience matter. Our team is highly trained, certified, and has years of hands-on experience in mitigating water damage, restoring properties to their pre-loss condition, and handling complex restoration projects. By referring your clients to us, you're connecting them with experts who know how to navigate the challenges of water damage recovery. 2. Rapid Response: We understand that time is of the essence in any property damage situation. Our commitment to rapid response ensures that we can start the restoration process quickly, minimizing damage and reducing costs. When you refer your clients to us, you can trust that they will receive prompt and professional service. 3. Transparent Communication: We know how crucial transparent and open communication is, both for you and your clients. We provide detailed documentation of the damage assessment, restoration plan, and ongoing progress reports. You and your clients will always be in the loop, knowing exactly what is happening at every stage of the restoration process. 4. Quality Workmanship: Our goal is to restore properties to their pre-loss condition, providing quality workmanship that meets or exceeds industry standards. When your clients see the results of our work, they'll appreciate the attention to detail and commitment to quality. 5. Cost-Efficiency: As insurance agents, you understand the importance of cost-efficiency. We work closely with insurance companies to ensure that the claims process is smooth and the costs are managed effectively. By referring your clients to us, you're helping them access services that can ultimately reduce the financial burden on their insurance policies. 6. Trusted Partnerships: Building long-term relationships with our clients is at the core of what we do. We aim to not only restore property but also restore peace of mind. By referring your clients to MacPro Restore, you are fostering trust and dependability in your client-agent relationships. 7. Education and Resources: We're committed to providing educational resources for your clients and helping them understand the importance of preventive measures and emergency response planning. By referring clients to us, you're connecting them with a valuable source of knowledge and expertise. 8. 24/7 Availability: Disasters don't adhere to a schedule, and neither do we. Our 24/7 availability means we're ready to respond to emergencies anytime, day or night. You can trust that your clients will be in capable hands whenever disaster strikes. Referring your clients to our restoration company is more than just a business partnership; it's about extending a helping hand when your clients need it most. With our expertise, experience, and commitment to excellence, we can be a valuable asset in your mission to protect your clients' properties and investments. We invite you to explore this partnership and discover the benefits of collaborating with a restoration company that shares your commitment to your clients' well-being. Contact us today to discuss how we can work together to provide top-notch restoration services and peace of mind to your clients. Sincerely, Clinton McElwee - MacPro Restore - (515) 257-6080
In the event of a water damage emergency, it's essential to take immediate action to minimize damage, ensure safety, and begin the restoration process. Here's a step-by-step guide on what to do: 1. Ensure Safety: The safety of you and your family is paramount. If there are any electrical hazards or structural damage, do not enter the affected area. If it's safe to do so, turn off the electricity and gas to the affected area. 2. Stop the Water Source: If the water damage is due to a burst pipe, leaking appliance, or any other controllable source, turn off the water supply to stop further water flow. 3. Call for Professional Help: Contact a water damage restoration company immediately. These professionals are equipped to handle water damage emergencies and can arrive quickly to assess the situation. Make sure to choose a reputable and certified company. 4. Document the Damage: Take photographs or videos of the affected area and damaged items. This documentation can be useful for insurance claims. 5. Remove Valuables: If it's safe, remove valuable items, electronics, and important documents from the affected area to prevent further damage. 6. Prevent Further Damage: If it's safe to do so, you can take steps to prevent further damage. This may include placing tarps on the roof if there's a leak, blocking sewage backups, or moving furniture to a dry area. 7. Dry the Area: Use towels, mops, and buckets to remove as much standing water as possible. Proper ventilation can also help speed up the drying process. Be cautious when dealing with water that may be contaminated. 8. Remove Saturated Items: Remove wet carpets, rugs, and any items that can be easily taken out of the affected area. These should be dried outside, weather permitting. 9. Disinfect and Prevent Mold Growth: Water damage can lead to mold growth. Disinfect the affected area and apply mold inhibitors if available. 10. Do Not Delay: Time is of the essence when dealing with water damage. The longer water sits, the more damage it can cause and the greater the risk of mold growth. Prompt action is crucial. 11. Contact Your Insurance Company: Notify your insurance company about the water damage and follow their guidance for filing a claim. 12. Prevent Future Damage: If the water damage is related to a recurring issue (e.g., a leaky roof or plumbing problem), take steps to address the root cause to prevent future emergencies. Remember that water damage can lead to structural issues, mold growth, and health hazards if not addressed promptly and professionally. Hiring a reputable water damage restoration company is often the best course of action to ensure a thorough and safe restoration process. As a reputable and IICRC Certified Water Damage Restoration contractor, MacPro Restore is here to help. We can help you determine if the damage warrants professional dry out and or an Insurance claim. We are just a phone call away. Call 515-257-6010 to get help now in the Des Moines area. MacPro Restore Offers 24 hour Emergency Service for the following services and areas Water Damage, Fire Damage, Mold Damage
Dealing with frozen pipes can be a stressful situation, but taking prompt and appropriate action is essential to prevent further damage. Here's what to do after pipes freeze: 1. Turn Off the Water Supply: Locate the main water shut-off valve in your home and turn it off to prevent any more water from entering the pipes. This will help reduce the risk of bursting pipes when they thaw. 2. Open Faucets: Open all the faucets connected to the frozen pipes. This relieves pressure in the pipes and allows any remaining water to drain once they thaw. 3. Apply Heat: Safely apply heat to the frozen section of the pipe. You can use a space heater, hairdryer, heat lamp, or even towels soaked in hot water. Start at the faucet end and work your way toward the blockage. Never use an open flame or high-temperature heat sources to thaw pipes, as this can cause damage or fires. 4. Thawing a Frozen Pipe: If the frozen pipe is located in an accessible area, you can use a heating pad or electric heat tape specifically designed for this purpose. Follow the manufacturer's instructions and use caution. 5. Leave the Faucet On: As you apply heat, keep the affected faucet open so that water can flow through once the ice blockage melts. 6. Insulate Pipes: To prevent future freezing, insulate exposed pipes in unheated areas, such as basements, crawl spaces, and attics. 7. Check for Leaks: After thawing the pipe, check for any visible leaks or cracks. If you find any damage, it's essential to repair or replace the affected section of the pipe. 8. Call a Professional: If you're unable to locate or access the frozen pipe, if it's in a hidden area, or if you're uncomfortable handling the situation, it's advisable to call a professional plumber for assistance. 9. Take Preventive Measures: To prevent frozen pipes in the future, consider adding additional insulation to areas where pipes are exposed, using heat tape, and keeping your home adequately heated during cold weather. 10. Monitor for Future Issues: perlCopy code - After addressing the frozen pipe, keep an eye on your plumbing system to ensure there are no residual problems or leaks. Remember that taking prompt action when pipes freeze is crucial to prevent burst pipes and water damage. If you're unsure about how to proceed or if the frozen pipe is inaccessible, it's best to consult a professional plumber to avoid further complications and potential water damage to your home. As a reputable and IICRC Certified Water Damage Restoration and General Contractor, MacPro Restore is here to help. We can help you determine if the damage warrants professional remediation and or an Insurance claim. We are just a phone call away. Call 515-257-6010 to get help now in the Des Moines area. MacPro Restore Offers 24 hour Emergency Service for the following services and areas Water Damage, Fire Damage, Mold Damage
If you find mold in your home, it's important to address it promptly to prevent its spread and potential health risks. Here's what to do if you discover mold: 1. Ensure Safety: Before you begin addressing the mold, prioritize safety. Use personal protective equipment (PPE) like gloves, goggles, and a mask to avoid exposure to mold spores. If the affected area is extensive or if you have health concerns, consider consulting with a professional mold remediation service. 2. Identify the Source: Try to identify and address the source of the moisture that is promoting mold growth. Mold needs moisture to thrive, so eliminating the source is crucial to preventing its return. 3. Isolate the Area: Contain the affected area to prevent the spread of mold spores to other parts of your home. Seal off the area using plastic sheeting and tape, and use a negative air pressure system. 4. Ventilation: Ensure proper ventilation by opening windows and using fans to help dissipate airborne mold spores. However, be cautious not to spread the mold to other areas of your home. 5. Document the Damage: Take photographs and videos of the mold-infested areas for documentation purposes. This will be helpful for insurance claims and for tracking the remediation process. 6. Remove and Clean: If the affected area is small (typically less than 10 square feet), you can attempt to clean the mold yourself. Use an approved anti-microbial product. Scrub the surface, rinse it with clean water, and allow it to dry completely. Discard any contaminated materials that cannot be cleaned, such as drywall or insulation. 7. Larger Infestations: If the mold infestation is extensive, or if it's found in areas that are difficult to access, it's recommended to consult a professional mold remediation service. MacPro Restore has the expertise and equipment to handle large-scale remediation safely and effectively. 8. Prevent Future Growth: Address the underlying moisture issue to prevent future mold growth. This may involve fixing leaks, improving ventilation, or reducing humidity levels. 9. Monitor: After remediation, continue to monitor the area for any signs of mold return. Regular inspections can help detect and address issues promptly. 10. Seek Professional Help: If you have any doubts about your ability to handle the mold issue, if it's extensive, or if you have health concerns related to mold exposure, consult with a professional mold remediation service. We have the experience and equipment to handle complex situations. 11. Consider Testing: In some cases, you may want to consider mold testing to determine the type and extent of the mold infestation. A professional mold testing service can provide more accurate information about the situation. MacPro Restore offers swab and air quality testing. Remember that mold remediation is a complex process, and addressing it promptly is crucial to prevent further damage and health risks. Professional assistance is often the best approach, especially for extensive or recurring mold problems. As a reputable and IICRC Certified Water Damage Restoration and General Contractor, MacPro Restore is here to help. We can help you determine if the damage warrants professional remediation and or an Insurance claim. We are just a phone call away. Call 515-257-6010 to get help now in the Des Moines area. MacPro Restore Offers 24 hour Emergency Service for the following services and areas Water Damage, Fire Damage, Mold Damage
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Phone: (515) 257-6578
Email: cmcelwee@macprorestore.com
Address: 5550 Wild Rose Ln, Ste 400
West Des Moines, IA 50266
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Emergency Hotline: (515) 257-6010
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