Why You Can & Should Choose Your Own Restoration Company

Posted on by msi-admin

Dealing with water damage is stressful enough without the added complexity of navigating insurance claims. While many homeowners rely on their insurance companies to guide them through the process, it’s important to know that you have the right to choose your own restoration company. This decision can significantly impact the efficiency and quality of the repairs.

Homeowner Rights
When you file a claim for water damage, your insurance company may suggest or recommend a specific restoration vendor. However, as a homeowner, you are not obligated to use their preferred provider. You have the complete freedom to select a vendor based on your own research, preferences, and past experiences.

Pros and Cons of Choosing Your Own Vendor:

  • Personal Comfort: Opting for a company you trust or that comes highly recommended by friends and family can make a significant difference in your peace of mind during the restoration process.
  • Quality of Service: You can choose a company that you know has a good track record and provides high-quality service.

Cons of Not Using an Approved Vendor:

  • Pricing Discrepancies: Non-approved vendors may charge rates that are higher than what the insurance covers, potentially leaving you to pay the difference.
  • Claim Delays: Using a vendor unfamiliar with your insurance company’s process can lead to delays in claim approval and project completion.

Benefits of Using an Approved Vendor
Choosing an approved vendor who is versed in the insurance claims process offers distinct advantages:

  • Familiarity with Claims Process: Approved vendors understand the documentation and procedures that insurance companies require, which can streamline the claims process and hasten your home’s restoration.
  • Approved Vendor Price List: These vendors use a pricing list that is generally accepted by insurance companies, ensuring that there are no unexpected out-of-pocket costs for you.

Conclusion
Selecting the right restoration company is a crucial decision that affects not just the quality of repairs but also the ease of your insurance claim process. While you have the freedom to choose any vendor, an approved vendor like MSI offers the dual benefits of expertise in insurance procedures and a commitment to customer-first service. At MSI, we ensure that our interests are aligned with yours, not the insurance company’s. Trust us to prioritize your needs and help you navigate through this challenging time with ease and transparency.

Is Wind Damage Covered Under Insurance?

Posted on by msi-admin

When strong winds sweep through an area, they can leave a trail of destruction, from torn-off shingles and broken windows to fallen trees and structural damage. If you’re dealing with the aftermath of a windstorm, one of your first questions may be: Is wind damage covered under insurance? The answer depends on your specific policy, but in many cases, homeowners’ insurance does cover wind-related damage. However, complications arise when wind damage leads to other issues—especially water damage.

What Does Homeowners Insurance Typically Cover?

Most standard homeowners’ insurance policies do cover wind damage, particularly from storms, hurricanes, and tornadoes. This usually includes:

However, coverage can vary based on where you live. In hurricane-prone areas, for example, some policies may have higher deductibles for wind-related claims, or they may exclude windstorm damage altogether unless additional coverage is purchased.

The Hidden Risk: Water Damage After Wind Damage

One of the most overlooked aspects of wind damage is how it can lead to water intrusion. If your roof is compromised, shingles are torn off, or windows are broken, rainwater can enter your home, causing further destruction. Water damage from wind-related issues can result in:

  • Ceiling leaks and water-stained walls
  • Mold growth due to trapped moisture
  • Damaged insulation and structural weakening
  • Electrical hazards from water exposure

While insurance policies generally cover water damage if it’s a direct result of wind damage, things get complicated when insurers determine whether the water came from rain entering through a damaged structure or from rising floodwaters.

Wind vs. Flood Damage: Understanding the Difference

Insurance companies often make a key distinction between wind-driven rain (which is usually covered) and flooding (which typically requires separate flood insurance). If water enters your home because wind damaged your roof or windows, it is generally covered. However, if water damage results from storm surge, overflowing bodies of water, or groundwater seeping in, standard policies do not cover it—this falls under flood insurance.

Steps to Take After Wind and Water Damage

If you’ve suffered wind-related damage to your home, here’s what you should do:

  1. Document the Damage: Take photos and videos of any wind and water-related damage as soon as it is safe to do so.
  2. Prevent Further Damage: If possible, cover broken windows and damaged areas with tarps or boards to prevent additional water intrusion.
  3. Contact Your Insurance Provider: Report the damage promptly and provide as much evidence as possible.
  4. Schedule Professional Water Damage Restoration: Prompt cleanup is crucial to prevent mold growth and long-term structural issues.

Need Help After Wind and Water Damage?

Dealing with storm damage can be overwhelming, especially when water is involved. At MSI, we specialize in water damage restoration, mold remediation, and emergency storm damage cleanup. Our team can help assess the damage, dry out affected areas, and restore your property to pre-loss condition. If you’re dealing with wind and water damage, don’t wait—contact us today to get expert help.

How to Choose the Right Water Damage Restoration Company

Posted on by msi-admin

Dealing with water damage can be overwhelming, but finding the right water restoration company can make all the difference. The key to mitigating damage and restoring your property effectively lies in selecting a reputable and experienced team. Here are some essential tips to help you choose the right water damage experts.

1. Check for Proper Certification and Licensing

    A trustworthy water restoration company will hold the necessary certifications, such as the Institute of Inspection, Cleaning, and Restoration Certification (IICRC). Additionally, ensure they are licensed to operate in your area and comply with local regulations. Certifications and licenses guarantee that the company follows industry standards and employs trained professionals.

    2. Evaluate Their Experience

      Experience matters when it comes to water damage restoration. Look for a company with a proven track record of handling various types of water damage, from minor leaks to major floods. Seasoned water damage experts are better equipped to assess the situation and implement effective solutions quickly.

      3. Ask About Their Response Time

        Water damage requires immediate attention to prevent further issues like mold growth and structural deterioration. A reliable company should offer 24/7 emergency services and a rapid response time. Delays can exacerbate the damage, so choose a provider that prioritizes your urgency.

        4. Read Reviews and Testimonials

          Online reviews and testimonials from past clients can provide valuable insights into the company’s professionalism and service quality. Check platforms like Google, Yelp, and social media for honest feedback. A company with consistently positive reviews is more likely to deliver satisfactory results.

          5. Ensure They Offer Comprehensive Services

            Water damage often involves more than just drying out a property. Look for a company that provides comprehensive services, such as water extraction, drying, dehumidification, mold remediation, and structural repairs. This ensures you won’t have to hire multiple contractors to complete the job.

            6. Verify Insurance and Liability Coverage

              A reputable water restoration company should carry adequate insurance to cover any potential damages during the restoration process. This protects you from liability and ensures peace of mind throughout the project.

              7. Request a Detailed Estimate

                Before committing to a service provider, ask for a detailed estimate outlining the scope of work and associated costs. This will help you avoid unexpected charges and ensure transparency in pricing.

                8. Look for Local Expertise

                  Hiring a local water restoration company has its advantages. They are familiar with common water damage issues in your area and can respond to emergencies more quickly. Local providers also tend to have a vested interest in maintaining a good reputation within the community.

                  In Conclusion

                  Choosing the right water restoration company is crucial for protecting your property and ensuring a smooth recovery process. By considering factors such as certifications, experience, response time, and reviews, you can make an informed decision and trust that your property is in good hands.

                  If you’re dealing with water damage and need reliable assistance, Mold Solutions & Inspections is here to help. Our experienced water damage experts provide comprehensive services, rapid response times, and unmatched professionalism. Contact us today to restore your property quickly and efficiently.