Advocates For You
the job
Carriers THAT RECOMMEND US
ServiceMaster Fire & Water Cleanup Services handles insurance claims on your behalf and bills them directly. We are happy to help guide you through this process.
INSURANCES terminology
If you are not familiar with understanding your insurance policy, then you are not alone. Thousands of homeowners buy policies without being aware of what is covered, the terminology and how your rate is affected. Insurance has a reputation for being "boring" and we are here to help you become familiar with information you need to know.
What is not covered?
Burst Pipe Repairs; the water restoration is covered, although the repair & fixing the pipes are not.- Floods & Earthquakes; this requests special flood insurance.
Common factors affecting your insurance premiums
Neighborhood- Home Value
- Crime
- Your Pet Breed
- Types of Appliances
- Weather
- Distance to Fire Department
- Credit History
- Flood Area
Terminology
- Replacement Cost; the full amount to replace your home.
- Actual Cash Value; how much the insurance company values your home after taking in description.
- Insured; who is covered under your insurance policy eg, people in household, visitors and pets.
- Deductible; the amount the homeowner pays upfront before insurance company pays out the rest of the loss.
The Water Claim Process
Inspect for Large
Losses After Damage
Documenting Damage
We You Help File Your Claim
Meet With Your
Insurance Adjuster
We Begin Repairing
Immediate Damage
Repaired to Pre-loss Conditions
The fire Claim Process
Documenting damage
we file your claim
We secure your
home's safety
Meet with your
insurance adjuster
We begin repairing
immediate damage
Repaired to Pre-loss Conditions
Our most common questions
You should understand and be familiar with your insurance policy limits and coverage before calling a restoration company. We can help navigate your restoration needs by bringing up your policy for us to review together.
Often, you will be responsible for the insurance deductible amount on your policy upfront. The claim amount will be typically paid out upon completion of the fire restoration process. For example, if a water restoration cost is $5,000, the homeowner will be responsible for the deductible, usually $1,000 & the insurance pays out $4,000.
Most property insurance covers 100 percent of your fire damage cost, but you’re responsible for paying a set deductible. Your agent or adjuster is your best resource for coverage information, and our staff at ServiceMaster Fire & Water Damage Cleanup Services can help you navigate the process.
Your agent or adjuster is your best resource for coverage information, and our staff at ServiceMaster Fire & Water Damage Cleanup Services can help you navigate the process.
The general answer is it depends on the type of claim and where you live in the U.S. Generally, you should save your insurance claims for those potentially catastrophic events that are beyond your control, like a fire and smoke damage. Use your insurance for the big things and take a higher deductible, even if it’s not a giant premium credit, because it is not always a good idea to submit claims for less than $1,000, $2,000, $3,000. If you can afford to increase your deductible, that may not only save you money, but will also keep you from making numerous small claims in the first place.
Still have questions?
If you can't find the answer to your questions here, don't hesitate to call
How we win claims
RESTORE YOUR PEACE OF MIND
Don't let the unexpected disrupt your life. We are more than a fire damage restoration service. Fill out the form and let us answer all your questions and concerns.