DO I HAVE TO DO SOMETHING BEFORE I CLEAR THE DEBRIS FROM MY PROPERTY AFTER IT IS DESTROYED IN A DISASTER?
Yes. Please photograph all recognizable items in the debris before it is taken away, and particularly any items that your insurer may want to remove for cleaning/ salvage. The insurer may arrange for a company to clean and store these items and the fee is usually deducted from the insurance payout due on household contents.
Disagreements often arise about whether damaged items are salvageable and can be cleaned, or whether it makes more sense to replace them. So, examine the items your insurer or cleaning company deems salvageable. If you feel they really can’t be cleaned, or that cleaning and storage costs will exceed the cost to replace them, talk to the adjuster about this, otherwise you'll be left with less money to replace destroyed items after the cleaning and storage costs are deducted from your contents insurance payout figure. It’s a good idea to ask the insurance company for written confirmation that they have inspected the loss location to their satisfaction and they agree that you can proceed with debris removal and clearing of the site.
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