Water restoration is one of the most expensive areas of losses the insurance industry pays for when it comes to payouts for property insurance claims. When it comes to water restoration in Charlotte and water mitigation in other areas of the country the numbers are pretty much the same for the cost of water damage clean up. For property claims outside of wind and hail damage claims for water damage and the cost associated with water restoration are at the top of the charts for expenses to the insurance industry. This is why all aspects of water mitigation are heavily scrutinized by insurance adjusters. In general, the role of the insurance adjuster is to save the insurance company money and that role sometimes leads to legitimate water damage cleanup claims getting denied from the insurance adjuster. If your insurance company denied water damage cost for some portions and did not deny other parts of your water damage claim there are times, they may have made a mistake in which companies like our water restoration service in Charlotte would point out the errors and make sure your covered for water damage in all areas.
Because of the risk and cost of repairs when insurance companies pay for water damage, insurance companies frequently look for ways to avoid paying for water damage claims. Some insurance companies even drop coverage after 1 claim. Because of the extent insurance companies go through to avoid paying for water damage claims as a water restoration company in Charlotte we much like others in the water mitigation field are very detailed and attentive to make sure that we not only completely dry out your home or business during the water damage cleanup process but we also use our skill set and knowledge of water damage cleanup to protect your home and make sure that the insurance company pays for the entire cost of water restoration and the repairs needed at the home after.
After Hurricane Florence hit the Charlotte area there where thousands of homes in North and South Carolina with extensive water damage due to the amount of rain the storm brought to the area continuously for 3 days. Because of the amount of customers in need of water restoration services in Charlotte and other parts of North Carolina insurance companies treated all claims of water damage from the hurricane as a catastrophe and sent all claims to what is called “Cat” teams. The overall goal of the Cat team is to focus on all storm related claims to take care of their customers needs with similar insurance in the same area. Due to the amount of water mitigation claims coming into insurance companies there where times the insurance adjusters did not always get it right and as a Charlotte water mitigation company we did our part to make sure the insurance company paid for water damage claims they where required to pay for.
In the middle of the storm we received at least 5 calls for water mitigation services from homeowners in the middle of water damage from the storm. One of the calls was for water restoration in Charlotte with a situation that deeply addresses the question of will the insurance company pay for water damage to my home or will they deny the claim? In this situation the customers home had a finished basement with water damage from the storm. The customer called in the water damage claim before we arrived and during the conversation with the insurance company she became panicked because the adjuster said she did not have coverage for the water damage in the basement because it was likely flood related and not one of the scenarios her policy would cover for water mitigation services. This was very concerning to our client as there was in excess of $30,000 in water damage to the home and the idea of the insurance company not paying for water damage was frightening. There was major flooding in the area which means many homes in need of water restoration services did not have insurance coverage for water damage from flooding because a large portion of the community in Charlotte North Carolina does not have flood insurance. This is primarily due to the geography in Charlotte NC. The chances of needing flood insurance coverage to cover water restoration in Charlotte is minimal unless you live in a flood plain which are few and far in between. Most insurance policy’s in Charlotte will cover water damage from pipe breaks, water heater leaks, tub over flows etc..but they do not cover water damage from floods.