Video transcriptShould You Call Insurance or a Restoration Company First?
Should you call your insurance or restoration company first? If you call your insurance company, normally you will be directed to 1-800 number to make a claim. The adjuster that will be assigned to your claim normally takes a couple days to get back to you. But what the claim department will tell you is whether your claim will be covered or not covered by your insurance, what's important is to start mitigation and cleanup. Whenever you're dealing with water or sewage, time is of the essence.
When the humidity is above 65%, it takes 24 to 48 hours for the mold to start growing. If you don't start cleanup process immediately, insurance might interpret it as negligence, especially if there is mold developed. Another thing is you need to stop secondary damages with the water or sewage start progressing in other unaffected areas of the house. So again, time is of the essence. That is why we recommend to call restoration company first. We come out there 24-7, within one hour we will provide you with a free inspection and a detailed scope.
And if it is in your best interest to file a claim, we will be great river guides helping you how to navigate the claim process with your insurance. Give us a call.
Two calls may be needed after water damage: one to address the building and one to report the loss. If water is actively moving, start with safety and stopping the source. Call a plumber or restoration company as appropriate, then notify your insurer promptly according to your policy.
What to do first
Do not enter standing water near electrical equipment or a damaged structure. Shut off the water when you can do so safely, or call a plumber to stop the source. A restoration company can then assess the affected materials, extract water and begin structural drying.
Take photographs and video before damaged materials are moved, when it is safe. Report the loss to your insurer and ask what documentation it needs and what your policy requires before permanent repairs begin.
Why the property assessment should not wait
Water can wick into drywall, move under flooring and remain inside wall cavities without showing at the surface. Mold can begin growing within 24 to 48 hours when materials stay wet. Moisture mapping gives you a documented record and a drying plan based on the actual affected area.
Insurance policies may require reasonable steps to limit additional damage. Ask your insurer what your policy requires, document temporary work and keep receipts. Your insurer determines coverage.
What the restoration company documents
Our team records photographs, moisture readings and the proposed scope before authorized work begins. If you file a claim, we provide documentation and work directly with your adjuster.
We do not decide whether you should file a claim, interpret coverage or promise an outcome. Review your deductible and policy with your insurance agent or company, then make the decision that fits your situation.
Who to call for water damage in Cleveland
Cleveland Water and Fire Restoration, Inc. answers the phone 24/7, and a First Responder is typically on site within 1 hour to establish the next course of action. When we arrive, you can expect:
- A no-obligation inspection and moisture assessment
- A detailed scope of the damage
- Authorized mitigation to limit additional damage
- Documentation for your insurance claim, if you file one
Dealing with water damage right now? Call us any hour for a no-obligation estimate and a clear explanation of the next steps.
Frequently asked questions
Should I call my insurance company or a restoration company first for water damage?
If water is actively moving, address safety and stop the source first. Call a plumber or restoration company as appropriate, and notify your insurer promptly according to your policy.
Will starting cleanup before the adjuster arrives hurt my claim?
Your policy may require reasonable temporary steps to limit additional damage. Document the condition and the work, keep receipts and ask your insurer what it needs before permanent repairs begin.
How fast does mold grow after water damage?
When materials remain wet, mold can begin growing within 24 to 48 hours. Moisture detection and structural drying help address water that is not visible at the surface.
Do I have to use the restoration company my insurance recommends?
Ask your insurer how its contractor program works, compare the scope and credentials, and do not feel rushed into repairs you do not understand.
