Understanding the Role of a Water Damage Mitigation Adjuster

Understanding the Role of a Water Damage Mitigation Adjuster

Jun 20, 2023 | Water Damage Restoration

 

 

 

 

 

 

 

 

 

 

Major Topics of this Article Include

  • Understanding the role of a water damage mitigation adjuster.

  • What homeowners should know about their water damage claim adjuster.

Introducing Your Water Mitigation and Insurance Adjuster

When faced with water damage in your home, it’s important to understand the role of a water damage mitigation adjuster.

This knowledgeable professional plays a crucial role in assessing the damage, determining coverage, and facilitating the restoration process. In this blog post, we will explore the responsibilities of a water damage mitigation adjuster and the checks and balances that exist between the adjuster and the homeowner.

 

The Role of a Water Damage Mitigation Adjuster:

A water damage mitigation adjuster is a trained professional who works for the insurance company to evaluate and assess the water damage claim. Their primary responsibilities include:

  • Damage Assessment: The adjuster visits the property to inspect and document the extent of the water damage. They assess the affected areas, document the cause of the damage, and determine the scope of the restoration work required.
  • Coverage Determination: The adjuster reviews the homeowner’s insurance policy to understand the coverage and limitations related to water damage. Based on the policy terms, they determine what aspects of the damage are covered and to what extent.
  • Estimation and Negotiation: Using their expertise, the adjuster prepares an estimate of the repair and restoration costs. They negotiate with the homeowner or their representative to reach a fair settlement that aligns with the insurance policy terms.
  •  Coordination with Restoration Experts: The adjuster collaborates with water damage restoration professionals, such as contractors and mitigation companies like Metrix Restoration, to ensure that the necessary repairs and restoration work are performed promptly and in accordance with the insurance policy guidelines.

Mitigation Adjuster Checks and Balances:

In the relationship between a water damage mitigation adjuster and a homeowner, there are checks and balances in place to ensure fairness and accountability:

  • Policy Guidelines: The adjuster’s authority is limited to the guidelines outlined in the homeowner’s insurance policy. They must adhere to these terms and provide an assessment that aligns with the coverage stated in the policy.
  • Claim Documentation: The homeowner plays a critical role in documenting the water damage. By taking photographs, videos, and keeping records of conversations and expenses, the homeowner helps ensure that the adjuster has accurate information for the claim assessment.
  • Communication and Advocacy: Homeowners have the right to communicate any concerns or questions to the adjuster. If they feel that their claim is not being handled properly, they can seek clarification and advocate for their needs throughout the process.
  • Expert Opinions: Homeowners have the option to seek independent expert opinions, such as hiring a public adjuster or a contractor, to provide additional insights and assessments. This can help balance the adjuster’s evaluation and ensure a fair resolution.
  •  Legal Recourse: In cases where disputes arise, homeowners can seek legal advice and take appropriate legal action to protect their rights and ensure a fair outcome.

Water Damage Adjuster Summary:

A water damage mitigation adjuster plays a vital role in the claims process, working to assess and facilitate the restoration of your property.

While adjusters have authority within the boundaries of the insurance policy, homeowners have checks and balances in place to protect their interests. By understanding the adjuster’s role, communicating effectively, and seeking independent opinions when necessary, homeowners can ensure that their water damage claims are handled fairly and accurately.

At Metrix Restoration, we work alongside homeowners to navigate the water damage claims process, providing expert restoration services and supporting our clients throughout. Contact us today for professional assistance with your water damage restoration needs.

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Understanding Claims Adjusters for Water Damage Claims: What You Need to Know

Understanding Mitigation Claims Adjusters Introduction:

When it comes to filing a water damage claim with your insurance company, you may wonder if the claims adjuster handling your case has specific certifications or qualifications in water damage. While the requirements and qualifications for claims adjusters can vary, there are important points to consider. In this blog post, we will explore the topic of claims adjusters and their expertise in handling water damage claims.

General Certification:

Claims adjusters are typically required to be licensed or certified in insurance adjusting in general. However, this certification does not guarantee that they have specific certifications in water damage. It is important to understand that a general certification in insurance adjusting provides a foundation of knowledge and skills applicable to various types of claims.

Experience:

While not all claims adjusters have formal certifications in water damage, many gain valuable knowledge and expertise through years of experience in handling water damage claims. Practical experience can provide adjusters with a deep understanding of the complexities involved in water damage mitigation and restoration. However, many adjusters lack the necessary training and experience.

IICRC Certification:

The Institute of Inspection, Cleaning, and Restoration Certification (IICRC) is a renowned organization that offers certifications in water damage restoration. While having an adjuster with this certification can be advantageous, it is not a universal requirement for claims adjusters handling water damage cases. The IICRC certification demonstrates a higher level of expertise in the field of water damage restoration.

Insurance Company Policies:

Insurance companies may have their own specific requirements and policies regarding the qualifications of claims adjusters handling water damage claims. Some companies may mandate their adjusters to undergo specialized training or certifications in water damage, while others may not have such requirements. It is worth noting that these policies can vary among insurance providers.

Independent vs. Company Adjusters:

There are two main types of claims adjusters: independent adjusters and company adjusters. Independent adjusters work on a contract basis and handle claims for multiple insurance companies. They often specialize in specific types of claims, such as water damage. Independent adjusters are more likely to seek specific certifications and training to enhance their expertise. On the other hand, company adjusters are employed directly by insurance companies and may rely more on internal training programs.

Ensuring Expertise in Your Water Damage Claim:

As a policyholder, if you have concerns about the expertise of the claims adjuster assigned to your water damage claim, you have options to address them. Consider the following:

Inquire About Qualifications: You can ask your insurance company about the qualifications and experience of the claims adjuster assigned to your case. They can provide information on the adjuster’s background and any specialized training they may have received.

Consult with Professionals: In complex water damage cases, it may be beneficial to consult with a public adjuster or an attorney who specializes in insurance claims. These professionals can provide guidance, advocate on your behalf, and ensure that your claim is handled fairly.

Understanding Water Damage Claims Adjusters Conclusion

While not all claims adjusters handling water damage claims are certified specifically for water damage, they bring a range of qualifications and experience to the table.

Their expertise is honed through general certifications, practical experience, and ongoing training within the insurance industry. As a policyholder, you can inquire about their qualifications, seek specialized assistance if needed, and have confidence in the claims process knowing that professionals are working to address your water damage claim.

At Metrix Restoration, we understand the complexities of water damage claims and work closely with claims adjusters and insurance companies to ensure a fair and efficient process. Our team is here to provide expert water damage mitigation and restoration services, ensuring that your property is restored to its pre-damage condition. Contact us today for any water damage restoration needs.

Links to Related Articles and Information

Why your water damage claims adjuster should be IICRC certified

Understanding the Water Damage Mitigation Claims Appeal Process

Pros and Cons of Using an Insurance Preferred Vendor for Water Damage Mitigation

What to do if you are assigned an inexperienced water damage mitigation adjuster

The importance of IICRC certification for adjusters

Understanding Your Homeowner’s Insurance Policy: A Guide to Water Damage Coverage

Responsibility of Water Damage Insurance Companies: Water Damage and Flooding

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Why Your Water Damage Claims Adjustor Should Be IICRC Certified?

Why Your Water Damage Claims Adjustor Should Be IICRC Certified?

Jun 20, 2023 | Water Damage Restoration

 

 

 

 

 

 

 

 

 

 

Major Topics of this Article Include

  • Dangers of Uncertified Water Damage Mitigation Claims Adjustors. 

The Importance of IICRC Certification for Water Damage Insurance Adjustors: Empowering Homeowners for Effective Mitigation Claims

By Metrix Restoration

When it comes to navigating water damage mitigation claims, homeowners rely on insurance adjustors to assess the extent of the damage and determine the appropriate course of action. While insurance adjustors play a vital role in the claims process, the absence of IICRC certification can pose certain risks and challenges. In this blog article:

  • We delve into the significance of IICRC certification for water damage insurance adjustors
  • We also explore the dangers of uncertified adjustors.
  • Shed light on the decision-making dynamics between IICRC certified contractors and adjustors.

The Value of IICRC Certification

The Institute of Inspection, Cleaning and Restoration Certification (IICRC) is a globally recognized standard-setting organization for the restoration and cleaning industry. IICRC certification signifies that professionals have undergone rigorous training and have the knowledge and expertise necessary to handle various aspects of water damage restoration.

The Dangers of Uncertified Adjustors

  1. Limited Understanding: Uncertified adjustors may have a limited understanding of the intricacies of water damage restoration. They may lack the comprehensive knowledge required to accurately assess the extent of the damage, resulting in potential discrepancies in the claims process.
  2. Inadequate Recommendations: Adjustors who are not IICRC certified may make recommendations that are not aligned with industry best practices or may overlook critical restoration steps. This can lead to inadequate repairs and ongoing issues for homeowners.
  3. Communication Challenges: Uncertified adjustors may struggle to effectively communicate with IICRC certified contractors, leading to misinterpretations, delays, or misunderstandings in the mitigation process.
  4. Inconsistent Standards: Without IICRC certification, adjustors may follow inconsistent standards or outdated practices, which can hinder the proper mitigation and restoration of water-damaged properties.

Empowering Homeowners

As a homeowner, understanding the impact of an uncertified adjustor on your water damage mitigation claim is crucial. While insurance adjustors are not required to be IICRC certified, their lack of certification can potentially affect the outcome of your claim. Here’s why:

  1. Expert Validation: An IICRC certified adjustor brings credibility and expertise to the claims process. Their certification ensures that they possess the necessary knowledge to accurately assess the damage and recommend appropriate mitigation measures.
  2. Quality Assurance: Working with an IICRC certified adjustor increases the likelihood of receiving accurate and comprehensive assessments, resulting in proper repairs and restoration of your property.
  3. Efficient Collaboration: When an adjustor is certified, they can effectively communicate and collaborate with IICRC certified contractors. This synergy ensures seamless coordination and ensures that all parties are aligned in their understanding of the mitigation and restoration process.

Decision-Making Dynamics

When it comes to decision-making in water damage mitigation, the expertise and recommendations of IICRC certified contractors hold significant weight. Their certification validates their proficiency in understanding the science behind water damage restoration and ensures that they follow industry best practices. While adjustors play a crucial role in assessing claims and determining coverage, it is essential to consider the insights and recommendations of certified contractors, who possess specialized knowledge in the field.

Partnering with Metrix Restoration

At Metrix Restoration, we recognize the importance of IICRC certification for both adjustors and contractors. As a homeowner, collaborating with a water damage mitigation company like Metrix Restoration, comprised of IICRC certified professionals, ensures that you receive:

  • The highest level of expertise
  • Service, and 
  • Advocacy throughout the claims process

We strive to educate homeowners on the significance of IICRC certification and its impact on water damage mitigation claims. By empowering homeowners with this knowledge, we aim to promote transparency, accountability.

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The Risks of Non-Certified Water Damage Claims Adjustors: Protecting Homeowners from Liability

As a homeowner facing the daunting task of dealing with water damage, you rely on insurance claims adjustors to assess the situation, guide you through the process, and ensure a fair resolution. However, not all water damage claims adjustors possess the necessary credentials and certifications to provide comprehensive and reliable support. In this article, we shed light on the potential risks and liabilities homeowners may face when working with non-certified water damage claims adjustors.

The Importance of IICRC Certification

The Institute of Inspection, Cleaning and Restoration Certification (IICRC) sets the industry standard for professionals in the restoration and cleaning field. Their certification process ensures that individuals have undergone rigorous training and have the expertise needed to handle various aspects of water damage restoration. When an insurance claims adjustor is IICRC certified, it signifies their commitment to upholding industry best practices and their ability to accurately assess and manage water damage claims.

Understanding the Risks

  1. Inaccurate Assessments: Non-certified adjustors may lack the necessary training to accurately assess the extent of water damage. This can result in underestimating the severity of the damage, leading to inadequate repairs and potential long-term issues.
  2. Improper Documentation: Water damage claims require detailed documentation to support the homeowner’s case. Non-certified adjustors may be unfamiliar with the specific documentation requirements, leading to incomplete or insufficient information. This can weaken the homeowner’s position during the claims process.
  3. Limited Knowledge of Mitigation Techniques: Without the comprehensive training provided by IICRC certification, adjustors may have limited knowledge of proper mitigation techniques. This can result in inadequate recommendations or oversight of critical restoration steps, leaving homeowners vulnerable to future damage or liability.
  4. Failure to Advocate for Homeowners: Non-certified adjustors may lack the expertise to effectively advocate for homeowners’ rights and interests. They may not possess the necessary knowledge to challenge insurance companies’ decisions or negotiate fair settlements on behalf of the homeowners.

Homeowners and Liability

Working with non-certified water damage claims adjustors can potentially expose homeowners to liability in several ways:

  1. Insufficient Coverage: Inaccurate assessments and inadequate documentation may lead to the insurance company offering insufficient coverage for the water damage. This can leave homeowners with out-of-pocket expenses to cover the remaining costs, increasing their financial burden.
  2. Ongoing Issues: Improper mitigation techniques or oversight of critical restoration steps can result in unresolved water damage issues. If left unaddressed, these issues can lead to further damage, mold growth, or structural deterioration, leaving homeowners responsible for the resulting repairs and potentially compromising the safety of their property.
  3. Extended Claims Process: Inexperienced or non-certified adjustors may struggle to navigate the complex claims process effectively. This can lead to delays, miscommunications, and prolonged resolution times, prolonging the homeowner’s stress and potentially impacting their ability to restore their property in a timely manner.

Protecting Homeowners’ Interests

To safeguard their interests and minimize liabilities, homeowners should consider the following steps when dealing with water damage claims:

  1. Request IICRC Certification: When interacting with insurance claims adjustors, homeowners can inquire about their IICRC certification. This ensures that the adjustor has undergone comprehensive training and possesses the necessary expertise to accurately assess and manage water damage claims.
  2. Seek Professional Assistance: Engaging the services of a reputable water damage restoration company, staffed with IICRC certified professionals, can provide valuable support and expertise throughout the claims process. These professionals can advocate for homeowners’ rights, document the damage accurately, and ensure that proper mitigation and restoration techniques are followed.
  3. Review Policies and Coverage: Homeowners should thoroughly review their insurance policies to understand the coverage for water damage. This knowledge allows them to make informed decisions and ensures they receive fair compensation for the damage sustained.
  4. Document Everything: Homeowners should diligently document all communication, agreements, and evidence related to their water damage claim. This documentation serves as a vital record of the claims process and can help protect their interests in case of disputes or liabilities.

The Metrix Restoration Advantage

At Metrix Restoration, we understand the importance of IICRC certification and the impact it has on water damage claims. Our team of certified professionals is dedicated to providing homeowners with expert support, from accurate assessments to comprehensive mitigation and restoration services. We prioritize your best interests, ensuring that your water damage claims are handled with the utmost care and professionalism.

Don’t let non-certified adjustors expose you to unnecessary risks and liabilities. Contact Metrix Restoration today and let us guide you through the claims process, providing the expertise and advocacy you deserve.

Paramount Industry Authority

You are encouraged to visit the IICRC website to learn more about this organization and their central role in water damage mitigation.

Links to Related articles and helpful information sources

Understanding the Role of a Water Damage Mitigation Adjuster: Checks and Balances Explained

Understanding the Water Damage Mitigation Claims Appeal Process

Pros and Cons of Using an Insurance Preferred Vendor for Water Damage Mitigation

What to do if you are assigned an inexperienced water damage mitigation adjuster

The importance of IICRC certification for adjusters

Understanding Your Homeowner’s Insurance Policy: A Guide to Water Damage Coverage

Responsibility of Water Damage Insurance Companies: Water Damage and Flooding

 

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Can Water Damaged Drywall Be Repaired

Can Water Damaged Drywall Be Repaired

May 4, 2023 | Water Damage Restoration

Can Water Damage Drywall be Repaired?

Can you repair water damage drywall, the answer really depends on the amount of water damage to the drywall. If the drywall is wet, but maintains its integrity, it is very possible to salvage the drywall by drying it in place. However, if the drywall has started to lose its integrity sagging from the ceiling, has been broken or busted at the seams, then it’s likely that the drywall will need to be replaced.  Despite this majority there are many Cat 2 water damages where the drywall can be repaired and dried in place.

Drywall Repair Considerations

It’s a case-by-case determination, depending on the category of the water and the overall damage to the drywall, whether or not it can be safely repaired.  We also must take precautions to prevent any future damages such as mold growth when repairing water damaged drywall. Wet baseboards and crown molding are usually removed, and if they are salvageable, they will be put back into place after the drywall has been repaired. It is only in a best-case scenario project where you’re able to salvage the baseboards and salvage the drywall. The overwhelming majority of projects involving residential water damage will need to have the wet drywall removed and have new drywall installed.

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4 Inch Drywall Repair

There are only 3 standard cuts in the water damage restoration industry, the first of which is the four-inch drywall dry. This cut is interpreted as the removal of drywall located directly behind the baseboard. When water mitigation calls for the only the removal of drywall holding baseboard in place, it is known as a four-inch cut. Sometimes the baseboard may only be 2 1/2 inches and sometimes they may rise 6 inches high, but a four-inch cut in the water damage industry it connotates the removal of the drywall located directly behind the baseboard, no matter the size of the baseboard. Making these drywall repairs is relatively easy, because of the low cut. Additionally, any imperfections will be covered by the baseboard.

2-Foot Drywall Repair

The second drywall cut is a 2-foot cut and is the most common cut in the water damage mitigation industry. Making a 2-foot cut for drywall repairs includes removing all drywall touching the floor of an effected room 2ft high above the floor.  When making a 2-foot cut we don’t cut up exactly 24 inches, because that would mean that when we went back to repair/install the drywall it would not sit separately from the floor. Drywall should be installed 1/2 of an inch high off the floor.  This way if there is any flooding or any water damage the drywall would be protected from damage, including mold.  Surface temperature differences between the concrete and the drywall is enough to create an area with relative humidity good for supporting mold growth.

Insurance Accepted, financing Available

4-Foot Drywall Repair

The final water mitigation drywall cut is known as a 4-foot cut. The four-foot cut includes removing entire bottom half of the drywall, 4-feet high.  In terms of water mitigation drywall repair, this translates into the need for a 4-feet drywall installation and repair.  2-ft and 4-inch drywall installation standards apply when making a 4-foot drywall repair.  Installing drywall 1/2 inch above the surface floor help to protect it from future water damage and mold growth.

Drywall Repair Finishes

Sometime the drywall is effected above 4-foot.  In these situation it is standard to remove the entire effected wall. There is no standard 6-foot cut, there is only an 4-inch 2-foot 4-foot or removal of the entire 8 foot wall. This amount of water damage requires all new drywall to be installed/repaired. The drywall installation process is invoiced to include reinstalling any wet installation that had to be removed before repairing the wall. Drywall repair is a line item including labor and materials for installation only, taping and mudding is an additional line item. Drywall tape and drywall mud are used to seal drywall repairs, which make a wall appear as one smooth piece of drywall. There are several drywall repair finishes, you can elect to have the drywall hung, or hung and prepared for paint with a smooth finish. The most common selection for businesses and homeowners is to install the drywall and prepare for paint with a nice smooth finish, but this is not always the case. Garage drywall repairs are an example of the exception.

Drywall Repair Dry Time

Once the drywall is installed and the mud has been applied to the drywall, it must be allowed to dry undisturbed. This resting or drying period can require 8 hours or longer depending on the humidity and drying time of the material. Dry time may also be accomplished within an hour. Dry time for each coat of mud must be completed before proceeding with any painting. Dry time is built into drywall repair pricing and is also reduced with the use of drying equipment such as air movers, dehumidifiers, and heaters. Most insurance companies recognize the use of drying equipment as standard practice for water damage mitigation drywall repair claims. The insurance coverage helps us do a great job and stay on schedule for our customers.

Drywall Repair Preparation

The final step of drywall water mitigation drywall repair is to paint and or install baseboards, crown mold, and any other finishing materials that’s needed to be removed. Finish materials are painted to remove any damage or to minimize the appearance of any damage or replaced if they have been too heavily damaged. Once the water mitigation drywall repairs are completed, the effected room will look brand new. Remember, drywall can suffer minor damage over time in the form of cracks and dents. These small damages need to be addressed to have the entire room match. It’s standard for homeowners’ insurance to pay for these repairs and often this means you’re getting all new drywall.

Drywall Repairs and Painting

Once the walls and finishing material are prepared, we can then paint the walls. The most common drywall paint job includes 3 coats of paint. The first coat is a primer designed to ready the walls for paint. The second and third coats are used to “color paint the walls”. Some paint jobs require more than 3 coats.

Best Water Mitigation Drywall Repair Service

Metrix Restoration is looking to gain your business and your trust as a water damage mitigation drywall repair contractor. If you or somebody you know is in need of drywall repair or reinstallation due to water damage, choose Metrix over the Matter because the Power to Change the Matter is in the Metrix.

Water Damage Repairs and Plumbing 2023

Water Damage Repairs and Plumbing 2023

May 2, 2023 | Water Damage Restoration

Metrix Provides Water Damage Repairs

The best water damage restoration companies provide complete water mitigation services including repairs and plumbing.  Metrix Restoration is always working to develop our organization to better serve our customers.  The quality of our organization has evolved as water mitigation contractors.  Flood Metrix now provides not only water removal and mold remediation services, but we also provide water damage repairs and plumbing.

Most customers prefer the convenience of hiring a water mitigation contractor who can also complete repairs.  The simplicity of making only one phone call for water removal and repairs reduces the need to involve multiple contractors, which can lengthy water mitigation repair delays.  Water mitigation often involves the removal of drywall and flooring; most customers can bear finding a flooring contractor, but many homeowners are annoyed by the idea of waiting to repair the holes in their walls.

Water Damage Drywall Repairs

Drywall installation is one of the first water damage repair services we started to offer.  This includes replacing and repairing wet or damaged baseboards, doors, and door trim, but not to exclude other finished materials such as crown molding.  Finish materials are easily affected by water damage and are often unsalvable and need to be replaced. Of course, completing a drywall repairs project includes removing and reinstalling any wet insulation and painting the walls.

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Water Mitigation Floor Repairs

Homeowners who have water damage and need repairs often can “look on the Brightside of their situation” and turn the misfortune of water damage into a positive by getting around to some repairs they had been putting off.  Water damage will inspire a homeowner to make improvements that they’ve been putting off such as flooring upgrades.  Homeowners will proceed with plans to remodel kitchen and bathrooms, living rooms and family rooms alike, because the timing is now perfect. A major part of the water mitigation repair process is new floor installation. This is why Metrix Restoration provides floor installation for water damage projects.  By adding floor installation, we can provide more of our customers’ needs and to get them back to whole after the experience of a water damage.

Water Damage Repairs and Plumbing

Our mission is to move a customer from stress to satisfaction and we want to add value in as many ways as possible.  Water damage and Plumbing go hand in hand, which is why we have teamed up with Perfected HVAC and Plumbing to add plumbing services to our catalog.  We can now work to prevent water damage by catching the leak early and prevent leaks with proper plumbing.  Sometimes it’s too late and the damage is done, and in those situations, Metrix has you covered.  There’s often no sign to indicate when a pipe is going to bust or when an appliance will fail, but when it happens Metrix is your number 1 choice to get you up and back to normal again.

Insurance Accepted, financing Available

Water Damage Repairs Project Co-Ordination

Providing more water damage restoration services under one company allows us to better coordinate mitigation repair projects and reduces time wasted.  The added convenience of mitigation, plumbing and repairs from the same company also reduces the inconvenience experienced by a customer after water mitigation.  Metrix Restoration didn’t always provide water mitigation repair services, we started by simply focusing on water mitigation.  Being able to demo, decontaminate, and dry out is still our bread-and-butter business.  

It was out of the need and desire to serve our customers more completely that we expanded into mitigation repairs.  So many customers wanted us to at least put the drywall back in place once the home was dry.  However, we didn’t want to begin offering services without being able to ensure a masterful level of service to minimize the risk to our reputation as water damage mitigation and plumbing professionals.  Doing a great job on the water mitigation repairs is equally important to the water damage restoration project.

Water Damage Repairs Quality Assurance

We had to take our time to develop and get our standard operating procedures established so that we could do just as good a job in installing the drywall as we do the water removal services.  This also applies to putting down flooring, installing a bathroom vanity or installing a new sump pump or water heater.  We need to be able to provide these services to our customers without error. Metrix is now in position to bring that high level of quality service and masterful execution to our customers in need of water mitigation repairs.

Metrix Offers Water Damage, Plumbing and Mold Remediation

Regardless of the previous water damage, the fact that there is a new leak with a new plumbing issue means that this homeowner is entitled to coverage with their homeowners’ policy. The homeowner’s insurance would be responsible for covering the water damage and mold remediation repairs but would not cover the mold remediation line items associated with the project. The reason being is that obviously there was pre-existing water damage which were never addressed; therefore, homeowners’ insurance is not responsible. However, homeowners’ insurance would be responsible for all damages associated with the new water damage including structural drying, retiling the bathroom tub and drywall repairs associated with the water damage. No portion of the plumbing would be able to be billed back to water damage claim.

Water Damage Repairs and Customer Satisfaction

The advantage of offering water damage mitigation repairs is that most water damage restoration companies don’t provide repairs.  Less than 60% of water damage contractors in Northern Virginia provide repairs, leaving 60% or more water mitigation customers left to find another contractor for water damage repairs.  The Metrix customer experience is superior to others with the added benefit of being able to take care of the mitigation repairs with one contractor.   Our unique ability also allows us to establish better customer relations.  This is important because at Metrix, residential water damage is 60% personal and 40% business.

The relationships we develop by offering water mitigation repairs allows us to optimize our reputation in the community.  Offering repairs allows us to market services people need more commonly. By offering plumbing services we are able to fulfill our customers’ needs from the time that the first water loss occurs, to stopping the leak, water removal, and water damage repairs. If you or somebody you know needs water damage repairs choose Metrix over the Matter, because the Power to Change the Matter is in the Metrix.

Water Damage Restoration: What to do if your adjustor disagrees with your contractor?

Water Damage Restoration: What to do if your adjustor disagrees with your contractor?

Apr 18, 2023 | Water Damage Restoration

Water Damage Restoration: What to do if your adjustor disagrees with your contractor?

This article is about the confusion an uncertified water damage insurance adjustor can create. I received the request for water removal from a customer who lives in a condo on the second level. Her neighbor above had something leak, we don’t know what it is, whether it was a busted pipe or leaky toilet. All we know is that the water leaked from the third level of the condo, down into the second unit of my customer’s house, through her floor, and through the ceiling down to the first unit.

Unfortunately, my customer was assigned an adjustor who was not IICRC certified and had no related industry certifications. I go onsite to conduct my initial investigation with the customer.  From first glance, the water damage did not appear to be so extensive.  However, after checking the moisture content levels of the ceiling, to discover they were completely saturated.  Additionally, carpet and pad were saturated.  The bathroom didn’t appear to be as bad as it was, however, the customer was able to take video of the water loss occurring.  If I had not seen the video, I may not have discovered the additional water damage.

There was water pouring down the ceiling, through her overhead fan, through the lighting fixture, right down onto her bed and onto the floor.  Water was splattering and caused water damage to her wooden nightstands and dressers.  Water was falling through the air duct in the bathroom, directly over her vanity.  I told the customer that according to the ICRC S500, we will remove the drywall and we will also take up the carpet and the pad because I saw how much water fell from the ceiling.

There was a question as to whether there could be water trapped under the tile of her bathroom floor.  Ordinarily I would think she would be safe from having this happen, because tile has one of the highest water resistance levels of different building materials.  When I saw the video, I realized there was a good chance water could have become trapped under the tile in the bathroom for two reasons. One:  just how much water fell and the accompanying pressure causing water damage.  Two: there were breaks in the seals around the toilet and the tub, so water may have got trapped under the tile from one of those breaks in the seal.

Water Damage Cleanup

Insurance Accepted, financing Available

Residential Water Damage Restoration is 60% Personal and 40% Business

Knowing that the customer works from home, I asked what would be a good time for us to start?  We decided that doing the water damage over the weekend would be better for her because she’s not working. I agreed and figured that this would be something her adjuster could definitely understand, we could definitely justify beginning on the weekend. However, this adjuster was perhaps one of the worst adjusters that my customer could have been assigned.

The adjustor claims to have had 10 years of experience.  When I got on the phone with her, to explain the water damage from having been onsite, but this adjustor had the audacity to believe they knew what needed to happen better than me even, though I’m an ICRC certified master water damage restoration professional.  I had also been on site to conduct psychrometric analysis and this adjuster saw some pictures.  She wanted the customer to believe that I didn’t know what I was talking about and that she did.  I asked the adjuster what if any IICRC certifications do you have?  Their respond was: “you know what,I’m not getting into a conversation about certifications”.  That was the red flag to me know this adjuster had no IICRC water damage restoration certifications, because if she did, she would one agree with me and she would say that she had certifications.

Cat 3 Water Damage Restoration

Our biggest discrepancy was how we should categorize this project.  I said we should categorize this project as a CAT3 water damage restoration, and she adamantly objected.  They believed the water damage should be done as a Cat 2 water loss.  Even if we assume that upstairs was perfectly clean, in order to error on the side of caution, I didn’t think that it would be wise to assume that everything upstairs on the third level was completely in order.  In order for me to agree with the adjuster, that would mean I have to assume everything upstairs was in pristine clean condition, but:

  • We don’t know if this person upstairs had pets,

  • We don’t know what the condition of the floor or the carpet was,

  • We don’t know what the overall condition of the unit upstairs was.

I didn’t think it was wise or in the customer’s best interest to classify this water damage as a Cat 2, besides the ICRC S500 water damage standard states that even if the water came from a clean source, when the water hit the ground, the category increases because it is presumed that the water is not carrying additional contaminates.  This is standard practice for all water damage restoration professionals, we never do a project as a Category 1 water damage. All water damage is either a Cat 2 or a CAT 3 water damage, because even if the water started off clean, when the water touches the floor it becomes Cat 2.

Here’s another red flag that let me know that this this adjuster really didn’t have the experience they claimed.  When water falls from one level to the next, for example, through a ceiling or through a floor, down to the next to the room underneath, the water automatically changes categories. Therefore even if the water came from a clean source, when the water when hit the floor of the third level unit, it became CAT2 water, when that water fell through the floor and through the ceiling of my customer’s house, that water became CAT3 water damage.

Water Damage Restoration: Professional 2nd Opinion

The water damage mitigation adjuster didn’t agree, but I knew I was right.  After the conversation I was so appalled, and I wanted to report her.  I wanted to speak with her supervisor. I just felt like it was very irresponsible to even have an adjuster in this position who obviously didn’t have the right training and did not know what she was talking about.  I advised the customer to get a second opinion.  Flood Metrix would pay to get a second opinion as long as the company is IICRC certified and are direct to customer water damage contractors.  If they agree with the adjuster, then you hired them but if they agree with Flood Metrix we will pay the fee, to have them write up their remediation protocol and then this way we have will have two different opinions from two different IICRC certified water damage restoration companies each recommending the same course of action.  Then it would be difficult for the adjuster to justify ignoring the recommendations of certified of two separate certified IICRC certified water damage restoration companies as for the proper course of action for this loss.

During a water damage restoration, customers are already stressed out.  Insurance companies know that most water damage policyholders are not reading their insurance policies and the last thing a customer wants to do is be stressed out by their insurance company when it’s time for them to use it.  Some insurance companies use this against their customers.  They don’t care about their policyholders, they don’t even care about the IICRC standard.  They just want to have something done and pressure the policyholder into doing something or what they say should happen, even though they’re not the ones who are professionally qualified to make the call.  It’s an egregious act and misuse of authority.  This adjuster put their policy holder in even more duress until she didn’t know what to do.

Water Damage Restoration IICRC S500

There’s another detail in the IICRC S500 water damage standard which states: the longer a project sits, the longer and more likely it is to become a Cat 3 water loss.  Previously, after 72 hours, a water damage automatically became Cat 3, but the new standard reads that it’s not automatically Cat 3 if the water damage professional on site doesn’t recognize any signs of mold growth.  He could then treat the loss as a Cat 2 water damage. Basically, by the time the homeowner would be able to get a second opinion the 72-hour water damage time frame would have lapsed.

This adjuster from All State was the worst adjuster this customer could have been assigned.  It was clear they had no water damage restoration experience.  As an adjuster, she was very unprofessional and took everything personally, which was not good for the client.  When clients understands that the adjuster is saying one thing and the contractor is saying another, they ultimately feel like they are forced to go with their adjuster, when that’s not true.  It’s not the case and customers just don’t understand what their rights are, especially when they have a water damage, because they just want to get the water damage taken care of.  They just don’t have the attention to put towards really finding out what the insurance company is obligated to do, because they’re in so much fear of the water damage not being covered.  

My recommendation to all homeowners before you have a water damage, or during the water damage is to read your policy.  Read your homeowners’ insurance policy and understand what is covered and what is not covered for a water damage.  When is mold covered, when is it not covered, so that you can know your rights.  Homeowners should know what the full scope of their benefits are to prevent being taken advantage of by an adjuster who’s just all about the money.  There is no way this adjuster could convince me that she wanted to advocate for this customer or that she was really on the customer side. Everything that she did was for the insurance company.  No recommendation she made was really to benefit the customer, it was really to shortchange the customer take advantage of her position.  Dealing with this adjustor and the inconvenience they caused prompted me to write this blog, because homeowners need to know what to do during the water damage, especially when you have an adjuster who is just not cooperative.

Water Damage Restoration Common Hazards 2023

Water Damage Restoration Common Hazards 2023

Dec 22, 2022 | Water Damage Restoration

Water Damage Restoration Hazard And Risk Assessments

The first line of defense in helping to prevent injury, unnecessary damage, and health risks inherent to a water damage mitigation project is safety/hazards awareness.  A hazardous inspection checks for any work site situation that potentially poses danger to life or property. Water damage restoration professionals must then perform a risk assessment on all potential hazards found on the mitigation work site.  The assessment evaluates the risk or likelihood a particular hazard will cause harm.  Due to the unsafe nature of most water damaged dwellings, hazard inspections and risk assessments are essential for protecting workers.

The initial hazard inspection of a water damage restoration project involves three important aspects.  The first step is to identify hazards that could give reason not to enter the building, such as wet electrical panels and collapsing ceilings.  The second step is to identify the presence of regulated building materials such as asbestos, lead, or PCB’s (polychlorinated biphenyls).  Government-regulated substances required testing or inspection services from specialized third-party experts to assess health and safety issues. Finally, competent water damage mitigation contractor conducts a risk assessment and implements the necessary hazard controls for any identified hazards.

Water Removal Mitigation Hazard Controls

Hazard controls are implemented to protect against injury or other safety incidents.  Within the water damage mitigation industry, controls are organized into a hierarchy.  Those controls considered to be more effective at protecting workers and occupants are categorized higher on the list.  For example, the most effective control measures either eliminate the hazard or substitute a safer situation for mitigation to proceed.  Where water damage restoration hazards cannot be eliminated or replaced, industry mitigation safety plans implement controls lower in the hierarchy:

  • Engineering Controls- These are water damage restoration safety controls which are designed to deal with hazards before mitigation professionals encounter the hazard. These controls isolate workers from an identified danger.

  • Administrative Controls- These water damage mitigation controls are lower in the hierarchy and occur between the source of the hazard and mitigation professional. They include “safer work practices”.

  • Personal Protective Equipment- Water damage restoration Personal protective equipment (PPE) consists of controls placed on the mitigation professional. PPE is the lowest form of hazard control because protective equipment devices do nothing to eliminate the hazard directly.

 

 

 

 

 

 

Water Damage Restoration PPE

Water damage restoration professionals cannot always eliminate every health and safety concern on a water damage project, so PPE is a necessary part of the safety program. Selecting a proper level of protection is important when considering PPE for a water damage mitigation project.  One step of the initial risk assessment is to closely evaluate the potential risks and determine which type of PPE is most appropriate. To help protect water damage mitigation technicians from the many hazards associated with contaminated water losses, restorers need to have ready access to several safety items.  These items protect from all potential exposures to the body and include:

  • Chemical-Resistant Gloves

  • Goggles

  • Respirator

  • Hard Hat

  • Rubber Boots

  • Protective Suit

Masters Of Mitigation

Water Damage Restoration Safety “Immunizations”

The great majority of water damage restoration projects involve direct contact with a range of infectious organisms.  As a minimum medical requirement, mitigation professionals performing water damage restoration services need medical consultation with a Primary Health Care Physician for appropriate immunizations.  Immunizations required may vary depending on the scope of work, previous immunization history, previous exposure and current availability of treatments.

mold remediation

Water Removal Safety Standards And Organizations

Water damage restoration professionals must be familiar with all applicable safety standards and laws which affect their business.  This list below includes some of relevant organizations and standards water damage mitigation professionals need to be familiar with.

1 OSHA (Occupational Safety and Health Administration

a. 29 CFR 1910

b. 29 CFR 1926

2 ANSI (American National Standards Institute)

a. ANSI Z117.1-1989

3 EPA (Environmental Protection Agency)

a. FIFRA- Federal Insecticide, Fungicide and Rodenticide Act

4 IICRC (Institute of Inspection, Cleaning, and Restoration Certification

a. S500- Standard and Reference Guide for Professional Water Damage Restoration

b. S520- Standard and Reference Guide for Professional Mold Remediation

This list should be evaluated for its application through varying state, provincial and other government laws and regulations.  It is also necessary to check with each of these sources frequently in order to stay current with changes to standards, codes and regulations.

 

 

 

 

 

 

 

 

Water Damage Restoration Federal Regulations

Two codes are particularly relative to the work done by water damage restoration contractors. These documents can be assessed online. In order to ensure compliance water damage mitigation contractors must thoroughly read and understand these two CFR’s:

29 CFR 1910- General Industry Standards

29 CFR 1926- Construction Industry Standards

  • Increasing air flow across wet surfaces.

  • Controlling temperature of air and surfaces.

  • Using outside air when possible.

  • Creating a drying chamber.

  • Decreasing humidity in the affected area.

Items covered significant to water damage mitigation include:

  • OSHA General Duty Clause

  • Emergency Action and Fire Prevention Plans

  • Personal Protective Equipment

  • Respiratory Protection Plans

  • Asbestos and Lead

  • Heat Conditions

  • Confined Spaces

  • Hazard Plans

  • Fall Protection

  • Noise Exposure Limits

Water Damage Cleanup

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Water Damage Restoration And Documentation

Several areas of health and safety require documentation during a water mitigation project.  For example, employers who assign mitigation technicians to use respiratory protection are required to have a written respiratory protection plan.  Likewise, whenever hazardous chemicals are present on a water mitigation work site, employers must document their company’s HAZCOM program.

Water Removal And Bloodborne Pathogens

Workers in many different occupations are at risk of exposure to bloodborne pathogens.  First aid team members, housekeeping personnel in some settings, water damage restoration contractors and nurses are examples of workers who are at risk of exposure.  In 1991, OSHA issued the Bloodborne Pathogens Standard to protect workers from this risk.

Bloodborne pathogens are microorganisms present in the blood which can cause disease in humans.  Water damage mitigation contractors could possibly come into contact with bloodborne pathogens during day-to-day mitigation activities, primarily through the remediation of sewer backups.

Water damage restoration professionals need to understand the seriousness of these pathogens, know what PPE to dawn, and what procedures and standards must be followed.  When documented, this information becomes the employer’s bloodborne pathogens plan for their business.  Just as important as developing the plan is implementing the plan, which includes training for workers on the protocols and procedures to be used.

 If you or anybody you know needs water damage restoration, Choose Metrix over the matter, because the Power to Change the Matter is in the Metrix.

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