PROPERTY OWNER’S BILL OF RIGHTS

FOR INSURANCE REPAIRS

When your home is damaged by flooding, mold, fire, or sewage backup, it can disrupt your life and cause significant stress. If you’ve never dealt with water damage restoration, mold remediation, or sewage cleanup, you might find yourself confused about how to get restoration services covered by insurance. At Flood Tech USA, we’re here for you to make the remediation and restoration process as efficient and straightforward as possible. We take pride in providing excellent customer service and 100% customer satisfaction. We’ve prepared this Bill of Rights to help you better understand your insurance policy, including both your rights and your obligations. While most homeowner’s insurance policies contain the following provisions, you should always check with your insurance provider for specific information.

 

EMERGENCY REPAIRS

After a loss, you should be fully compensated for any emergency repair services that are necessary to protect your home from additional damage. In fact, most policies require you to take any steps needed to avoid further damage.

 

INSURANCE COMPENSATION

Your insurance company is required to fully compensate you for the cost to restore your property to its pre-loss condition. But be aware that this does not include repairing prior damage or unrelated problems, nor improving your home with higher-quality materials than what you previously had.

 

LICENSED CONTRACTORS

Not only are you entitled to hire a restoration company that is fully licensed and insured, but you are required to do so. Flood Tech USA meets all these requirements. We are licensed, bonded, insured, and certified in several industry qualifications, including the Goldmorr System for mold remediation and the Institute of Inspection Cleaning and Remediation Certification (IICRC).

 

QUALITY MATERIALS AND WORKMANSHIP

Your homeowner’s insurance covers materials and workmanship that are equal to what you already had. You are also entitled to receive a detailed listing of the scope of the repairs and the quality of materials that will be used before restoration work begins.

 

YOUR CHOICE OF VENDOR

You are not required to use the insurance company’s preferred vendor or the lowest bidder. However, you are required to use a company that has the necessary experience to complete the job correctly and whose rates are in line with the norm for your location.

 

WHAT TO DO IN CASE OF A DISAGREEMENT WITH YOUR INSURANCE COMPANY

If you and your insurance provider disagree substantially regarding the amount of the loss, you are entitled to arbitration or appraisal to help settle the dispute without a lawsuit. This can occur at any time before settlement. Please note that this “Bill of Rights” is only for educational purposes and should not be considered legal advice. For more information, please consult your insurance company or an attorney. Restoring your home after a flood, fire, or sewage backup is a complex process, but Flood Tech USA will be there for you during every step of the process. To smooth out the claim process, our team works with your insurance company to ensure your home mitigation and restoration is fully paid for. We can even bill your insurance company directly and take care of all paperwork. Flood Tech USA is your trusted resource for home restoration serving Virginia, Maryland, and Washington D.C. Give us a call at 703-995-9886 or fill out our online form below so we can help you restore your home to how you remember it.

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