Emergencies don’t wait for regular business hours.

When damage occurs, it's crucial to get a qualified emergency services provider to the job quickly to:

• evaluate the physical loss;
• stop the damage;
• mitigate additional / secondary damages;
• consult as to next steps, options, recommendations.

Secondary Damages:
What most home and business owners don’t fully appreciate is that even after the water has been stopped, or the fire extinguished, collateral / secondary damages continue to increase their footprint on your property exponentially. These additional damages occur in the most hard-to-reach areas; inside floors, flooring, walls, ceilings, behind cabinetry - and their costs multiply quickly as time passes. These often add tens of thousands of dollars to the cost of mitigation, repair and restoration work. Because secondary damages are many times greater than the primary damages, property owners tend to greatly underestimate the cost of repairs as a whole.

How much time do I have to act?
It depends on whether you need insurance coverage. Many property owners prefer to wait on their insurance company to authorize emergent services because they aren’t certain the work will be covered by insurance - this is a risk.

Unbeknownst to most insureds, the insurance company has already authorized this work in your insurance policy - they’ve already stated as a ‘condition of coverage’ (Section 1 - Conditions: Your Duties Following A Loss) that you must immediately make every reasonable effort to mitigate further or additional loss and damage and keep receipts for the insurance company.

What if I delay?
It depends on the mood of the insurance company and/or their adjuster. If the secondary damages are determined to be considerable and they feel that your delay contributed materially to an increased cost, you could end up with a denial of coverage at worst, or more likely, an apportionment of coverage for the percentage that your delay contributed to the loss.

9 Reasons to Take Immediate Action:

• Delay increases damage;
• Your insurance coverage depends on your prompt action;
• Delay can lead to denial or apportionment; 
• Qualified services providers should not require up front payment;
• Qualified providers will comply with policy terms; 
• Qualified providers are paid insurance rates - gouging isn’t an option;
• Qualified providers assist in documenting the loss;
• Qualified providers will clean up the mess;
• Qualified providers will protect and restore personal property.

(585) 622-4621