During a property damage emergency, homeowners are faced with communication and organizational challenges. Being informed and prepared is essential in limiting emotional frustrations and maximizing a speedy recovery. Keeping all parties involved with the claim informed is vital in customer retention and overall satisfaction. The Restoration Industry Association (RIA) prepared a checklist for homeowners after property damage.
Checklist for after a flood or fire:
• Compile a list of dates, times and persons who you talk to concerning your claim.
• Get a copy of your insurance policy. This will define and determine your limits as well as your rights and responsibilities to and from your insurance company.
• Have a clear line of communication with your adjuster.
• Ask what the process is for listing and identifying the value of personal property.
• Ask about being reimbursed for any lost rent or interruption of business.
• Ask your adjuster for a sufficient monetary advance for purchases that are necessary. Include enough money to assist with your first month and security deposit for a temporary dwelling.
• Save all receipts for any and all meals, hotels, purchases, toiletries, vitamins, cosmetics, etc.
• Remember that it is your choice who the restoration company will be, not the adjuster’s.
• If you feel that you are being pressured to choose a certain company, you can contact your local Attorney General’s Office to file a complaint.
• Check references for any and all companies that you retain to perform work on your behalf.
The RIA is the oldest and largest non-profit, professional trade association dedicated to providing leadership and promoting best practices through advocacy, standards & professional qualifications for the restoration industry.