Century Restoration offers water restoration, fire restoration, and mold remediation services. With more than 30 years of experience serving thearea, we pride ourselves on safe, high-quality, cost-effective work. We utilize state-of-the-art equipment, and we hold ourselves to the highest industry standards. Our top priority is your safety and the restoration of your property.
Your policy will spell out the specifics of your homeowners insurance coverage. Most insurance policies require an extra rider to cover water damage that is related to flooding. Water damage from a broken pipe within the house should be covered in a basic policy.
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Yes, we will absolutely work with your insurance company. We have over 25 years of experience dealing with insurance companies. We will work in your best interest to ensure proper coverage.
If you do have to speak with an insurance adjuster, there are some terms/phrases you should know:
Actual cash value: Insurance where a policyholder gets an amount equal to the replacement value of damaged property minus depreciation. (see replacement cost below)
Appraisal: A claims adjuster estimates the amount of damage to property and the cost to repair or the determination of a complete loss.
Endorsements: Attached to an insurance policy, an extra clause that changes the policy’s coverage, terms or conditions. (usually provides additional coverage)
Exclusions: Attached to an insurance policy, an extra clause that excludes coverage of certain perils (like floods), persons, property or locations.
Loss of use insurance: Compensation paid to a policyholder who has lost the use of their property.
Mediation: Nonbinding process where a third party tries to resolve a conflict between two other parties. Most states allow mediation between a policyholder and their insurance company if there is disagreement over coverage in a claim.
Personal article floater: A policy or addition, used to cover expensive personal items, such as computers and jewelry.
Public adjuster: An independent adjuster who represents property owners during a claim. They typically work to increase the initial offered amount, and provide representation for a percentage of the final payout.
Replacement cost: The cost of replacing property without a reduction for depreciation. Damages for a claim are the amount needed to replace the property using new materials.
Subrogation: When an insurance company, after paying a loss, tries to recover the money from another party who is legally liable. This can happen when public utilities are at fault for damage.