Information about Our Insurance Procedures
We bill your insurance company directly
Our main goal is to assist you in getting your house and your life back to normal. We work directly with insurance companies to take the load off your shoulders. This means that you do not have to pay anything out of your pocket, since we are billing them directly.
File a claim on your insurance for restoration services
After we document and assess the damage on your property, the next step is to file the claim.
If you have one of the larger insurance carriers like Statefarm or Allstate, you can call them 24/7 to file a claim. The other insurance carriers are open during business hours.
To file a claim just call the claims department, where you will receive a claim number. You will also be assigned a Claims Adjuster who will contact you within 24-48 hours.
We work with a vast number of insurance companies:
- ACE American (now Chubb)
- Alfa Mutual Group
- American Family
- American Family Insurance
- American International Group
- American National Insurance
- American Security
- Ameriprise Financial Inc.
- Amica Mutual
- Amica Mutual Insurance Co.
- Andover Companies
- Assurant Inc.
- Auto Club Exchange
- Auto Club Insurance Association
- Auto Owner’s Insurance
- Auto-Owners Insurance
- Cincinnati Financial Corp.
- Cincinnati Insurance
- Citizens Property Insurance Corp.
- COUNTRY Financial
- Country Insurance
- CSAA Insurance Exchange
- Erie Insurance
- Erie Insurance Group
- Farm Bureau Financial Services
- Farmer’s Insurance
- Farmers Insurance Group of Cos.
- First Protective Insurance Co.
- Florida Peninsula Holdings LLC
- Hanover Insurance Group Inc.
- Hartford Financial Services
- HCI Group Inc.
- Heritage Insurance Holdings Inc.
- Interboro Mutual
- Liberty Mutual
- MAPFRE SA
- Mercury General Corp.
- MetLife Inc.
- Munich Re
- Narragansett Bay
- National General Holdings Corp.
- Nationwide Mutual Group
- North Carolina Farm Bureau Insurance
- Ohio Casualty
- Security First Insurance Co.
- Shelter Insurance
- Southern Farm Bureau Casualty
- State Auto Insurance Cos.
- Tennessee Farmers Insurance Cos.
- The Hartford
- Tower Hill
- Travelers Companies Inc.
- United Insurance Holdings
- Universal Group Inc.
- Universal Insurance Holdings
- Utica First
What you should keep in mind when filing a restoration insurance claim:
Dealing with a disaster in your home can be a horrifying experience. Whether it’s water, fire, mold storm damage, you should follow a standard process to have as much of a stress-free experience as possible.
1. Handle the emergency
First and foremost, make sure everybody is safe. Call the Fire Department if there is a fire you cannot manage or turn off the water supply if you have a pipe break. Get out of the house if it is too dangerous to stay in.
2.Call the Restoration Company
It is of utmost important to begin the mitigation process as soon as possible to avoid any further damage. iFlooded Restoration has more than 30 years of experience in the restoration industry and handles any type of water, fire or mold damage. We are there for you every step of the restoration process.
We are committed to getting your home back to normal while you get your life back to normal as soon as possible.
3. Inform the insurance company of the disaster
4. Prevent additional damage
While you await an emergency restoration company to arrive you can do several things to make sure the rest of your home and belongings do not suffer any additional damage. Depending on the type of damage, you can tarp the holes in your roof, remove excessive water, get your saved belongings to a safe place.
As a policyholder you are obligated to prevent any further damage to your home. These measures are considered emergency services and will not affect your claim.
However, do not start the restoration and cleaning process, as the insurance company will need all the details and evidence of the disaster. Cleaning without proper documentation can harm your claim.
5. Gather proof of damage
Take as many pictures and videos showing the source and the damage itself. Do not throw away anything that might have caused the disaster and try to keep the area as it is, to the extent that you can, as detailed above. An adjuster will come to inspect the property and assess the damage, so you need to keep it as unaltered as possible.
We take care of the drying & restoration process and bill the insurance company directly for the repairs and cleanup. When it comes to your possessions, you need to make a very detailed inventory of all the damaged belongings. The list should include:
– The make and model
– Age and current condition
– Replacement cost
– Actual value of the item
5. Check if the damage is included in your homeowners insurance policy
Whether your insurance will cover the restoration expenses or not depends on various factors. You need to check with your insurance what exactly is covered and review your policy very carefully.You can find details about your coverage in the Declarations page in your contract. If you need further information about different scenarios, you can request these details directly from the insurance broker or carrier.