Do You Have A Fire, Water, Mold Or Smoke Emergency And Need To Talk To Someone Right Now?
Call Us At 707.428.1232

You've had a loss. NOW WHAT?

S afety first don't panic! Identify trip hazards, electrical, etc

I nvestigate damages if severe, leave immediately, call for help

M itigate damages "make less severe, painful"

P hotograph damages or video, for best documentation

L ist damages (inventory) the sooner, the better

E mergency Services call a professional

Now What?

· Start a file now! Document everything. Keep all receipts in an envelope

· Check your policy, deductible amount, limits, coverages.

· Evaluate your loss. Make a list of everything you feel is wrong.

· Call your agent, Ask questions, Get feedback.

· Options: D.I.Y. or a qualified contractor? Restoration vs. general, specialty, handyman.

· Substantiate & Validate: liability, history, experts, video

· Be ethical

· Scope of repairs determines estimates--Line items

· Line of sight/reasonable appearance rule, upgrades, codes

· Who's your best negotiator? You? restoration contractor? or other options?

· Knowing the ropes? Troublesome claims adjusters, games people play, chain of command

· Dissatisfied? Options? Insurance commission, appraisal, arbitration, litigation, "bad faith"

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1601 Enterprise Dr. #5
Fairfield, Ca 94533
707.428.1232 (tel)
707.429.8708 (fax)

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