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Category: Water Damage

5 Things To Know About Property Damage Insurance Claims

Insurance Claims Help
Our homes are everything. They hold our comfort, security, and happy memories. But sometimes houses get damaged by nature, accidents, and vandalism. When this happens, it can give people overwhelming frustration and grief.

If your home is damaged by fire, water, mold, or a storm, the stress from trying to get back to normal can feel like a whirlwind. The last thing you’ll want to think about is filing an insurance claim, but please don’t put it off.

One of the first steps you should take after your property is damaged is to learn what your insurance policy will pay for. Starting the insurance process immediately will help prevent further damage. It’ll give you peace of mind and help get your life back to normal as soon as possible.

Here are five things to know about filing an insurance claim after your home has been damaged:

1) Not all insurance policies are the same.

Policies can vary a lot based on the provider, coverages, deductibles, policy limits applied, and the level of property damage. It’s possible that you have insurance that covers everything from weather damage to system failure to destruction. Your insurance may even cover damage from animals and insects.

2) You don’t need to settle on a bad contractor.

It’s your right to demand and hire a fully-licensed contractor of your choice with a good reputation to help with the emergency cleanup and repairs.

3) You may begin emergency measures to protect your property from additional damage (and may be compensated for it).

The insurance company may not be liable for additional expenses if you fail to provide this initial protection. If it is safe and feasible, turning off the water source or moving furniture are just a few things to consider to help minimize damages to your property.

4) You may be reimbursed for expenses outside the coverage of your home damage.

For example, you may be able to receive reimbursement if you need to relocate to temporary housing during reconstruction, or if you need to purchase outside meals or if the facilities in your home are rendered useless.

5) If you have adequate coverage, you are entitled to be paid for the fair cost of fully restoring your home to its pre-loss condition.

Once again, this is based on your specific insurance provider and your coverage plan. Stay in touch with your insurance agent at least annually to assess your property value and to make sure that your coverages are appropriate for your home.

About UNGERMAN

UNGERMAN is a family-owned company providing full-service mitigation, restoration, reconstruction, and renovation. Our mission is to provide our clients with the highest quality of dependable services while carefully managing costs.

We will provide accurate estimates, clear communication, and efficient completion of necessary mitigation and repairs in order to complete projects successfully. Through this process, we will build a solid relationship between the customer, insurance company, and UNGERMAN.

We’ll Guide You Through The Insurance Process After Property Damage

When we arrive, our team will begin to clean up the damage and guide you through the insurance process. We’ll document the property loss and contact your insurance agent to review what type of damage can be covered by your policy.

We Are Committed To:

– Providing our clients with the finest restoration professionals in our area; people who take care of our customers like they are part of their own families.

– Helping our customers to make informed decisions by constantly keeping the lines of communication open and honest.

– Delivering expert knowledge and top-notch customer service throughout every phase of the project.

– Addressing your questions and concerns at any time because we are a team; we are your team.

If your property needs restoration, reconstruction, or renovation, fill out the form below!



Spring Cleaning Tips To Prevent Damage To Your Home

This terrible winter is finally over! The warmer weather has started and we’re finally getting our roads and yards back. This time of the year always feels refreshing and inspires us to get our homes cleaned. Outside of your standard cleaning tasks, it’s important that you make an effort to prevent damage to your home as a result of the seasonal change and the weather side-effects that come with it. Here are some tips for preventing water, fire, and mold damage.

Spring Cleaning Tips To Prevent Flooding & General Water Damage

Minnesota had a ton of snow this past winter. A record amount of snow, in some places. Now that the snow is melting, we’re finally starting to see our lawns again and it’s very exciting. The problem is that the water from all of that melting has to go somewhere, and unfortunately it could cause water damage and even flooding.

Picture of snow and ice melting.

To prevent water from getting into your home, check out your roof to make sure you’re not missing any shingles and check any vents or windows for damages. In addition, inspect all of your pipes and faucets to ensure they weren’t frozen and ruined over the winter. Finally, check your doors and windows for any cracks or separation.

If you have a basement or crawl space, you’ll want to clean the gutters to allow for proper drainage. Examine your home’s foundation for cracks and use caulking to fill in any problem areas. In addition, it may be necessary to fix the grading of your yard that runs alongside your house. This can be accomplished by adding compacted soil to help guide water away from home so it doesn’t pool around the foundation and seep into your basement.

Spring Cleaning Tips To Prevent Fire Damage

It might seem strange, but fires are more likely to happen during the fall and winter months. That being said, fires can happen any time throughout the year. Since you’re already planning on doing spring cleaning, it makes sense to focus some of your attention on preventing fire damage.

The most obvious starting point is to test your smoke and carbon monoxide detectors and replace the batteries. Next, inspect the chimney to make sure it’s not damaged or clogged. While you can do this yourself, we strongly recommend you hire a certified professional to give it a proper inspection. Finally, make sure your dryer vent isn’t clogged and clean it out if it is. Clothes dryers can cause fires if they aren’t venting properly.

Spring Cleaning Tips To Prevent Mold Damage

Mold is nasty and could make you sick. Beyond that, mold damage can wreak havoc on your home. With all of the storms and melting snow that come along with the spring season, it’s very easy for mold to grow in damp areas of our homes. All of our flooding & general water damage tips will assist you in fighting mold growth, but there are a couple more things you should do at minimum.

Picture of a Moldy Ceiling with Water Dripping

First, dry any wet areas of your home with fans and set up dehumidifiers in areas that are more susceptible to dampness, like the basement. Second, clean your walls with soap and water (if you’re already seeing mild mold growth, bleach mixed with water might be necessary). There are many other steps you could take to keep mold out of your home, but these two things are a great start that could go a long way when paired with our recommended water removal techniques.

What To Do If You Already Have Damage To Your Home

If you already have damage to your home from water, mold, or fire, you’ll need the help of a certified mitigation and restoration company. But you need to make sure you’re hiring a company with the proper experience and equipment to get the job done right the first time. UNGERMAN is the answer to your water, mold, and fire damage problems.

About UNGERMAN

UNGERMAN is a family-owned company providing full-service mitigation, restoration, reconstruction, and renovation. Our mission is to provide our clients with the highest quality of dependable services while carefully managing costs. We will provide accurate estimates, clear communication, and efficient completion of necessary mitigation and repairs in order to complete projects successfully. Through this process, we will build a solid relationship between the customer, insurance company, and UNGERMAN.

We Are Committed To:

  • Providing our clients with the finest restoration professionals in our area; people who take care of our customers like they are part of their own families.
  • Helping our customers make informed decisions by constantly keeping the lines of communication open and honest.
  • Delivering expert knowledge and top-notch customer service throughout every phase of the project.
  • Addressing your questions and concerns at any time because we are a team; we are your team.

If your residential or commercial property needs restoration, reconstruction, or renovation, please contact us today!

Property Claims – Residential or Commercial, Is there a difference?

Residential property claims and Commercial property claims can share many similarities.  For instance, water, fire or storm damage can equally affect both types of property.  They may also share many of the same building materials.  When a business is shut down, business interruption insurance may kick in to help cover loss of income.  When a homeowner is displaced from their home, they may require “Additional Living Expense” (ALE) coverage to pay for extraordinary costs such as hotel and food. Another commonality, all insurance carriers want to minimize claim costs!

First things first!

How can you minimize the cost on a property claim?  First it’s minimizing the damage. Next, restore the property to functionality as quickly as possible.  For a business, minimizing damage may involve having a disaster mitigation plan in place to quickly begin minimizing damage to property and operations.  For a homeowner, this may entail shutting off the main water supply to mitigate further water damage.  In either case, minimizing damage to structure and personal or business property is the first step!

What’s next?

In most instances depending on the severity of damage, homeowners or businesses may require further assistance to restore their property.  Water and fire damage is tricky.  Finding and drying everything that is wet or cleaning and eliminating soot and smoke damage requires expertise and resources.  This means trained professionals, special equipment or specialty sub-contractors.  If a business has properly prepared for a disaster, their plan may already include a qualified restoration contractor resource.   For homeowners, knowing who to call can be an unknown.  Helpful friends or family members might pass along a suggestion.  Perhaps the insurance carrier is aligned with restoration resources to recommend.  Then again, an insurance agent or perhaps even the insurance adjuster may provide references.

The bottom line?

All restoration contractors are not created equally.  Many can perform standard water damage mitigation services in a residential setting.  However, not nearly as many can potentially mitigate thousands of square feet of commercial space effectively.

What to do?

Be prepared!  As a homeowner start with your agent.  See if he or she has knowledge of other clients experience with local restoration contractors. If you are a business, ensure you have a disaster contingency plan.  Contact your broker for references or contact contractors directly to set up interviews.  Hopefully you will never have to make a call to a restoration contractor. However, in the event of an emergency, being prepared and knowing who to call will put your mind at ease and get you on the course to recovery quickly.