Insurance Claims

All American Restoration uses the same systems to calculate insurance claims made on your home as your insurance company.

This helps us speak the same language when preparing costs to repair your home. When working on an insurance claim with you as our client, our interest is fixing the issue so that it doesn’t re-occur. If corners are cut in an interest of profit (on behalf of the contractor) or cutting costs (on behalf of the insurance company), it is likely a mold condition can reoccur. It is your right to hire a professional like us to resolve your problem instead of using the insurance company’s preferred vendor.

Understanding Your Coverage

First thing you may want to check is how much mold coverage you have.  It is our recommendation that every American family whom owns a home should have at least $25,000 in coverage (and for bigger homes we would recommend $50,000).  When signing up for an insurance policy, most people unknowingly select either $0 or $10,000.  Even a small mold problem can quickly exceed $10,000 between equipment costs, consumables, product, and labor.  That extra monthly cost to be properly covered is well worth it if you are ever in need of making a claim.
 
“Sudden and Accidental Occurrence” is a term you will see cleverly written into your insurance policy.  That means that mold had to have grown from a sudden and accidental occurrence such as a frozen pipe.  This also means that unfortunately mold growth that happened over time due to poor ventilation and humidity controls is not covered.  It is important in understanding your coverages so you can understand which costs will be your responsibility above and beyond the claim.

What do I do when I have a claim?

1. If the source of water is caused by a pipe, shut down the water systems by shutting off the valve or water main and call an emergency service plumber to repair the water system.
2. When you have a claim to make, review your insurance policy and call your insurance company and notify them of the loss.
3. Since mold can start growing in as little as 12 hours, contact your preferred licensed mold assessor. If you do not have one, you can click here to see our preferred assessors in your area.
4. Give us a call at (732) 792-9612 to make an appointment to review and assess the damage so that we can prepare an estimate.
While All American Restoration is equipped with the knowledge and experience to help you with your insurance claim, we are not a licensed public adjustment company.  In some cases, you may want to hire a public adjustment company to help adjust your claim with the insurance company to ensure the full scope of work required is covered under your claim. Check our list of Insurance Partners.