Most people understand that they need insurance to protect their assets in case of a loss. However, it is important to remember that not everyone will think about or plan what to do if disaster actually strikes.
If you had a fire at your home that didn’t allow you to continue living at home, what would you do?
Do you have to find alternate housing yourself? Do you stay in a hotel? Should you be calling family and friends? What are you going to wear to work tomorrow? How will you brush your teeth tonight? When you take your contacts out tonight, what do you put them in?
There are so many questions that are running around in your head. This is when a reputable restoration company can help!
We will explain the process to you: how things will flow, what can be accomplished right at that moment, what can be completed in the next 24 hours and then the days that follow. Initially, after a loss occurs, a lot of activity will happen right away. Whether it’s a board-up, tarping, water extraction and/or drying equipment, demo and stabilizing the property so no further damage can occur is the top priority.
Within the first 3-7 days, you will see quite a bit of activity. After that, things will slow down or cease until your insurance adjuster and the restoration estimator come to a consensus on the scope and cost of repairs that need to be completed.
This process can take as little as a week, but it could be longer. It is likely you won’t hear much from either party, however, both your insurance adjuster and the restoration estimator should be touching base with you once a week.
Once the two parties reach an agreement on what needs to be done and how much it should cost, the process should ramp back up. Selections will be finalized, materials ordered, schedules completed and permits pulled.
We work with you and your insurance company to get clothes cleaned and deodorized in 24 hours so you have something to wear to work. Temporary housing will typically be in a hotel for the first day or two until your insurance adjuster has a good handle on how long you will actually have to be out of your residence. At that point, the adjuster will work to get you into either another home, condo or long-term residence at a hotel.
When you go out to replace items that you need, remember to keep all of your receipts. If you go shopping for food or go to a restaurant for the first couple of days — or until you are settled into long-term housing — your insurance company will reimburse you for these purchases.
Your project manager/estimator should always be available to answer any questions that you may have regarding the process of property restoration. Schedules should be shared and timeline milestones recognized.
We hope you never have to experience a loss and live through this process, but if you do, make sure that you work with someone you feel comfortable with and can communicate with.
During the most difficult times in your life, it’s nice to have a constant. Knowing that your restoration team is here for you and cares about your well-being can be that constant. Being able to ask questions and feel confident with the answers is a huge piece of making sure that your recovery flows smoothly!