How to file an insurance claim

Maybe you’ve never done it before, or, maybe it’s been a long while and aren’t sure where to start, but filing an insurance claim isn’t the daunting task that it may seem to be. In the post below, we will walk you through the process, step-by-step.

The first step in this process is usually the hardest, and we recommend calling out a qualified water damage or mold remediation company first before making a claim. The reason is that when insurance companies get to send a Preferred Vendor out to a property, these companies often do not have the homeowner’s best interests in mind; only the interest of the Insurance Company’s bottom line.

When a company like IRS comes out to your home and makes a recommendation on course of action, we go to bat for you with your insurance company and can back up all work we have done or intend to do. Their Preferred Vendors are encouraged to only do the bare minimum.

The next step is knowing exactly why you’re calling to make a claim. We recommend reading your policy first, just to make sure that you are certain that the damage is a coverable claim. In the event that a claim is lower than your deductible, it may be wise to decide to not go through insurance and instead pay out of pocket, but that’s a personal decision for you to make.

What is your deductible? This is important to find out, so that there are no surprises for you when you receive your funds from the Insurance Company. We have covered what deductibles are and how they work in another post (read more here…), however, the short explanation is that if you have a Coverable Claim, then your Insurance Company will send you a check for the funds to complete the necessary repairs, MINUS the amount of your deductible.

Finally, with funds to complete the necessary work, IRS finishes your job, leaving your home better than it was before.

While it may have been a stressful process, we hope that the experts at IRS can expedite your process and make working with us a breeze!