Understanding Your Homeowner’s Insurance Policy

Understanding Your Homeowner’s Insurance Policy











Major Topics of this Article Include

  • Water damage insurance company general responsibilities

  • General Education for Homeowners about water mitigation insurance

Keys to understanding your homeowners water damage policy:

Educating oneself about the specifics of a homeowner’s insurance policy is crucial for understanding what is covered in case of water damage and how to successfully navigate the claims process. By taking the time to familiarize yourself with your policy, you can be better prepared to handle any water-related incidents that may occur.

  • In this blog post, we will provide you with steps to help you educate yourself about your homeowner’s insurance policy and ensure you have adequate coverage for water damage.

Read the Policy Carefully:

Start by reading through your insurance policy document thoroughly. Focus on the sections that deal with water damage and understand what types of water damage are covered and what are not. This will give you a clear understanding of your policy’s limitations and exclusions.

Understand the Terminology:

Insurance policies often contain jargon that can be confusing. Make a list of terms you do not understand and research them or ask your insurance agent for clarification. Understanding the terminology will help you interpret the policy language accurately.

Contact Your Insurance Agent:

Schedule a meeting or a call with your insurance agent to discuss your policy. Ask specific questions about water damage coverage and find out how claims regarding water damage are handled. Your agent can provide valuable insights and clarify any ambiguities in your policy.

Know the Different Types of Water Damage:

Not all water damage is treated equally by insurance policies. For example, damage due to flooding may not be covered under a standard homeowner’s insurance policy, while sudden incidents like burst pipes might be covered. Understand the distinctions and ensure you have appropriate coverage for potential water damage scenarios.

Understand Your Responsibilities:

Familiarize yourself with the steps you need to take in the event of water damage. This may include mitigating further damage, documenting the damage, and notifying the insurance company within a certain time frame. Being aware of your responsibilities will help streamline the claims process.

Keep an Inventory of Your Possessions:

Maintain an updated inventory of your possessions, especially valuable items. Keep receipts, and take photographs or videos of your belongings. This documentation will serve as crucial evidence if you need to file a claim. Use printable or downloadable home inventory checklist templates to help you organize the information.

Research Additional Coverage Options:

If your policy doesn’t cover certain types of water damage, such as floods, research additional coverage options. Consider purchasing additional policies like flood insurance to ensure comprehensive protection. Provide a link to resources or articles specifically related to flood insurance to guide readers in obtaining the necessary coverage.

Seek Professional Advice:

Consult with an independent insurance professional or attorney who specializes in insurance claims if you have complex questions or concerns about your policy. Their expertise can help you better understand your coverage and rights as a homeowner.

Participate in Community Workshops or Webinars:

Check for local government or community organizations that offer workshops or webinars on insurance literacy. Participating in these events can provide you with valuable insights and knowledge about insurance coverage and claims processes.

Use Online Resources:

Take advantage of online resources provided by reputable organizations such as the National Association of Insurance Commissioners (NAIC) or the Insurance Information Institute (III). These websites offer valuable information on insurance coverage, claim processes, and frequently asked questions.

Document Communication:

Keep detailed records of all communication with your insurance company, including dates, times, and a summary of the conversations. This documentation will be helpful if any disputes or discrepancies arise during the claims process.

Choose Metrix over the Matter

By taking the time to educate yourself about your homeowner’s insurance policy and water damage coverage, you can ensure you have the necessary protection and understanding in case of water-related incidents. Remember to regularly review and update your policy as needed to reflect any changes in your circumstances or coverage requirements. Being proactive in understanding your policy before any issues arise will provide you with peace of mind and financial security in the face of water damage challenges.

Understanding Your Homeowner’s Insurance Policy for Water Damage

A Guide for Homeowners:

As a homeowner, it’s crucial to understand your insurance policy, especially when it comes to water damage. Water-related incidents can cause significant financial and emotional stress, but having a clear understanding of your homeowner’s insurance policy can help you navigate the situation effectively. In this blog post, we will explore why understanding your policy is essential and how it can benefit you in the event of water damage.

Knowing What’s Covered:

Every homeowner’s insurance policy is unique, and understanding what types of water damage are covered is crucial. Burst pipes may be covered, but flood damage typically requires separate flood insurance. Knowing what your policy covers helps set expectations and ensures you’re prepared for any financial obligations that may arise.

Quick and Effective Response:

When water damage occurs, time is of the essence. Understanding your policy enables you to respond effectively. You’ll know which steps to take, whom to contact, and how to document the damage properly for a claim. This knowledge empowers you to act swiftly and minimize further damage.

Mitigating Further Damage:

Many insurance policies require homeowners to take immediate action to prevent additional damage. By knowing your obligations, you can ensure that you’re not denied a claim due to negligence. Understanding preventive measures, such as shutting off the water source or contacting water damage mitigation professionals, helps protect your property and your claim.

Navigating the Claims Process:

Filing an insurance claim can be a complex process, but understanding your policy details makes it easier. Familiarize yourself with deductibles, policy limits, and the claims process itself. This knowledge allows you to compile the necessary documentation and communicate effectively with the insurance company, increasing the likelihood of a successful claim.

Avoiding Financial Surprises:

Understanding your policy helps you avoid unexpected out-of-pocket expenses. Be aware of any deductibles or limits on coverage. By knowing what to expect, you can plan your finances accordingly and avoid unwelcome surprises during an already challenging time.

Negotiating Settlements:

In some cases, the initial settlement offer from the insurance company may not be satisfactory. With a thorough understanding of your policy, you’ll be in a stronger position to negotiate a fair settlement. Being knowledgeable about your coverage and rights can make a significant difference in the outcome of the claim.

Legal Compliance:

Certain insurance policies come with legal obligations that homeowners must adhere to. Understanding these obligations helps ensure compliance, preventing potential legal issues. Stay informed about any legal requirements specific to your policy to avoid complications down the line.

Peace of Mind:

Knowing the ins and outs of your insurance policy provides peace of mind. When faced with water damage, having a clear understanding of your coverage and the steps to take reduces stress and anxiety. You can approach the situation with confidence, knowing that you are equipped to handle it effectively.

Educated Decisions:

Understanding your current policy allows you to make informed decisions about additional coverage. For example, if your policy doesn’t cover flood damage, you may choose to purchase separate flood insurance to fully protect your property. Knowing your options helps you make educated decisions about your insurance needs.

 The Power to Change the Matter is in the Metrix

Taking the time to understand your homeowner’s insurance policy is crucial for every homeowner. By knowing what’s covered, responding quickly, mitigating further damage, navigating the claims process, avoiding financial surprises, negotiating settlements, complying with legal obligations, and gaining peace of mind, you can effectively handle water damage incidents. Don’t wait for a disaster to strike—educate yourself about your policy today and be prepared for any water-related challenges that may arise.

Remember, Metrix Restoration is here to assist you with water damage mitigation, restoration, and navigating the insurance claims process. Stay informed, protect your home, and be proactive in safeguarding your property from water damage.

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

Responsibility of Water Damage Insurance Companies: Water Damage and Flooding

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Water Damage Restoration Common Hazards 2023

Water Damage Restoration Common Hazards 2023

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

Insurance Accepted, financing Available

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.

Principles Of Water Damage Mitigation 2023

Principles Of Water Damage Mitigation 2023

IICRCS 500 water damage restoration standard and reference guide describes the task of water damage restoration through the following five principles.

Water Mitigation Principle 1

“Provide For The Health and Safety Of Workers And Occupants”

Water damage restoration is a dirty job, flooded with hazards.  In a previous article I described how and why a water damage mitigation contractor differs from other non-emergency contractors.  Electrocution, mold inhalation, asbestos inhalation, natural pathogens and disease are inherent to each and every water damage restoration project.  So often customers are in such a panic and technicians are in such a hurry to begin that we forget about safety.  However, first responsibility when arriving at water damage site is to identify and eliminate any observable safety hazards. As a responsible professional, the restoration contractor has a duty to protect the health and safety of workers and occupants during restoration procedures.  

Water Damage Mitigation Principle 2

“Documentation And Inspect The Project”

Once on-site, a water damage restoration professional must assess the extent of water damage and map the moisture migration pattern.  They must also be prepared to measure the amount of moisture absorbed by effected materials in order to properly scope the mitigation project.  Several specialized tools such as thermal hydrometers, infrared scanners, moisture meters, and hydro-sensors will be used to gather relevant moisture content readings.

Moisture readings will be taken in both effected and non-effected areas for comparative analysis.  Each room is checked and monitored individually because a water damage restoration contractor must be able to verify their decided course of action is direct and efficient.  Due to the number of variables present that affect the drying of materials progress cannot be assumed frequent inspection and monitoring is therefore essential.







Drying a home or office effected by a flood or water damage is known as “restorative drying” and is a dynamic process.  Each water mitigation project comes with a unique set of “moving variables” which constantly effect a mitigation contractors’ intended result.  

Ultimately the goal of water mitigation is returning the structure to a clean, dry and safe living environment.  The nature of these variables are changes from one mitigation to the next which compels the restorer to conduct multiple inspections of the work zone throughout the mitigation drying process, these include:

  • Initial inspection to identify items that were affected and to set dry goals.

  • Ongoing inspections to assure that expected progress is being made.

  • Final inspection to ensure that materials have dried to the predetermined goals.

Masters Of Mitigation

Water Damage Mitigation Principle 3

Mitigate Further Damage

Dry goals made are based upon critical information the water mitigation professional obtains during their initial assessment.  The inspection not only checks the extent of moisture intrusion but also considers the potential for additional damages.

Water Removal

In order to dry the affected areas in the most effective and efficient way a restorer must focus on water removal and extraction.  Any forms of water intrusion must be stopped, and any further moisture intrusion mitigated in order for the restorative drying effort to be successful.  The goal of water damage mitigation is to return the structure and contents to an acceptable condition.  A project manager will also determine whether any building materials or contents in secondary areas have the potential to suffer secondary damages.

mold remediation

Control The Spread Of Contaminants

One serious form of secondary damage is mold growth.  Mold can cause structural components to lose their integrity and has great potential to impact indoor air quality in a negative way.  Such conditions may ultimately result in compromised occupant health.  In addition to mapping out moisture patterns, the water damage restoration professional will attempt to identify any health concerns, including pre-existing conditions of mold.  Professional care is taken to contain contaminants and not spread them to unaffected areas of the home or office.

Water Mitigation Principle 4

Clean And Dry Effected Areas


The cleaning procedures are used during a water mitigation project vary depending on the effected material, its salvageability and value to the customer.  Salvageable but contaminated materials have their own special protocols and usually require some type of cleaning both before and after the drying process.  For example, effected items may be “pre-cleaned” before the drying process, while the restorative cleaning process takes place after.  Sometimes a different division of a water damage restoration company is able to provide contents restoration while the water damage mitigation process is underway.  Also, keep in mind contents cleaning is it own specially service and is invoiced to your insurance company separately.










Water damage restoration contractors manipulate and control as many factors as possible in their drying systems to achieve the most efficient drying conditions.  After as much water as possible has been extracted, evaporation of the remaining moisture is now possible in the following ways:

  • 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.

Insurance Accepted, financing Available

Evaporated moisture must be removed from the affected areas by dehumidification or ventilation. Additionally, a knowledgeable restoration contractors recognize that each loss site is different, and they adjust methods based on each situation including:

  • Adjusting or removing equipment when necessary.

  • Removing items that should not be dried.

  • Saving items that cannot be dried in place.

  • Using specialized tools to drive difficult areas.

Water Mitigation Principle 5

Complete The Restoration And Repairs

Once the structure and contents are dry according to dry standards, your project officially moves from the water damage mitigation phase and into the water damage restoration and repairs phase.  This is important to understand because mitigation is billed separately from reconstruction.

As the drying proceeds, restores must reevaluate the condition of structural items or contents and consider whether they will require finishing or repair to return them to a pre loss condition.  Any building materials that were removed or disrupted will need reconstruction.  Your water damage claim is not complete until all affected materials are clean, dry and equal or better in appearance and function than they were before the loss occurred.  This is the industry standard and is also recognized by all major insurance carriers in the US.

 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.

How Homeowners Benefit From Water Damage 2023

How Homeowners Benefit From Water Damage 2023

File Water Damage Claims Without Fear

Responsible homeowners have the most to gain from the experience of a water damage emergency in their home or office due to homeowners’ insurance.  This coverage is key; however, most homeowners are unclear about the inclusions and exclusions of their policy.  Additionally, most policy holders don’t know how to use their insurance nor do they know what to expect from filing a claim.  Everyone knows that coverage is a necessity, but no one ever wants to imagine having to actually use their policy.  Its understandable how nobody wants to imagine their house flooding or a pipe busting to cause major water damage.  Most homeowners purchase insurance simply because it’s a requirement from the bank and so that we have the financial backing we need to get us back on our feet in case of a flood or water damage emergency.

You would think that having coverage would be enough to keep people at ease, but from my experience, it’s really not.  According to Metrix research, we discovered that although a person may have homeowners’ insurance, most are people are scared of using their insurance for fear that their premiums might increase, that they may get dropped, or that insurance may not cover the damages.  This fear holds many people back from actually claiming the benefit they pay into month after month.

Two Sides To Water Damage

There are two sides to every coin, heads and a tails.  In this example, let’s say they say that tales represents the unknown and inherent stress of a water damage and that heads represents the satisfaction of responsibly mitigating a water damage claim and all that is inherent to that.  One coin but it’s got two sides.  Most people will discover a basement flood or water damage and will enter the dark side of this this coin, the tail side.  This is the phase of panic, stress, fear and uncertainty.  Most people don’t know who to call in cases of a flood or an emergency water damage and because they don’t have a relationship with a contractor that specializes in this unique type of endeavor, they scramble in a panic to find help.  Most people will contact their insurance company to report damage and expect the insurance company to take care of everything.  Unfortunately, this not the way that it works, and the homeowner soon discovers the weight of their responsibility to take care of their own property. 

Once you file a claim with your insurance company, you’ve given them notice of damage and they can often refer you to one of their program vendors.  Insurance companies love to use their own “program vendors” because these contractors agree to provide the insurance network/TPA at least a 25% discount, but this discount can be up to and in excess of 50%.  An insurance company is a business and they want to save money however possible and practical.

Choose Flood Metrix Over The Matter


The Power To Change The Matter

Is In The Metrix

Water Damage Pricing Is Standardized By Xactimate

Xactimate is a program we use in the water damage and damage restoration industry to standardize pricing based on zip code.  The IICRC and Insurance Industry use Xactimate as a “fair pricing standard” for all flood, water and damage restoration projects.  Most water damage project are paid by insurance and contractors who provide water damage restoration services are getting through insurance whether they or program vendors or not.  Your insurance company will even tell you that you can hire any qualified contractor you see fit.  As long as a project is properly documented and the insurance company is obligated to pay the Xactimate value of a line item, but not more. 

Homeowners must understand how to use their insurance coverage so that they can receive the full benefits thereof.  Often homeowners fear that if they use their insurance policy  it will cause their insurance premiums to raise or cause their insurance company to  drop them. This thinking is rooted in fear and uncertainty and couldn’t be further from the truth.  The moment you file a flood or water damage claim with your insurance company, they are required by law to set aside funds to satisfy your claim.  They are also required by law to pay out at least the Xactimate value of a line item.

IICRC And Water Damage Claims

Stop here and let the above paragraph sink in.  It is important for a water damage contractor to understand insurance billing because Xactimate is the “pricing standard” that the IICRC and Insurance Industry uses to standardize pricing for emergency restoration services such as water damage, flood, fire, storm damage, mold remediation and the like.  Pricing for these services standardized by the Xactimate software to keep pricing fair and to prevent price gauging. 

Insurance companies want water damage mitigation contractors to use Xactimate but does not always want to pay the Xactimate value of a flood or water damage project.  However, this is simply the process of submitting a bill and working with the insurance company.  They are obligated to satisfy any legitimate invoice submitted related to your claim as long as every line item billed has been documented.  Adjustors are accustomed to working with program vendors to and good independent contractors to negotiate better pricing.  Its not that they won’t pay, its simply that they want to get a deal also.

Non-Program Water Damage Contractors

It is unreasonable to expect a vendor who does not constantly receive program work from an insurance company to offer the same price discount as if they were.  It’s a lot easier for a water damage contractor to give an insurance company a discount on services, when the insurance company is sending them 1 or 2 jobs a month.  Discounts on services are for the people who own homes not for businesses such as insurance companies.

A major part of our duty in the water damage restoration industry is to simply educate the general public on the subject.  We find that by providing educational resources to our customers it helps to eliminate and alleviate a lot of the stress inherent to water damage restoration.  Again, most people start on the “dark side” of the coin when they discover a flooded basement, that their water heater or water pipe has busted.  However, after a person chooses Flood Metrix over the matter, we take immediate action to carry that customer away from their current state of confusion and panic.  We begin moving them from stress to satisfaction which is ultimately what our mission is all about.

 A major key to accomplishing our mission educating the customer about the water damage restoration process, what they should expect and demand from their insurance provider.  When a person starts to understand their insurance coverage, they can also they start to see the light.  They realize that although their basement flooded or there was water damage in some part of the home, they also have insurance.  Having the proper coverage means that all damages will be addressed, resulting in equal or greater final results, and that is worthy of celebration.

Choose Flood Metrix For Water Damage Restoration

When a person chooses Metrics over the Matter for water damage restoration, it turns out becoming one of the best experiences they will ever have with a contractor.  The satisfactions of their mitigation experience is greater than their initial jolt of stress and shock.  We get onsite there and begin the water damage restoration process. We do the water removal, mold remediation and dry out everything that’s wet.  Then we set our customers up for reconstruction and get them connected with the right remodelers.  The happiness and contentment which is a result of working with true professionals in the industry floods out and overshadows any stress or discontentment that the customer may have initially experienced. This is the Metrix Mission, to move our customers from stress to satisfaction, and to help them both know and understand their rights and responsibilities as a policy holder.

Sometimes customer feel anxiety dealing with a “direct to consumer” water damage restoration provider because they believe they will get stuck with a bill if insurance doesn’t pay.  Again, this is why a customer needs to understand how pricing and billing works in the water damage restoration industry.  No contractor wants to get a reputation of being unable to settle invoices with an insurance company, because many field adjustors work the same geographical area.  All we want is to get paid for our work after we have mitigated the water damage problem with complications and doing a bad job/not doing it properly is causes complications. 

Best Customer Service In Water Damage Restoration

Some customers are just used to dealing with businesses and contractors who only care about money, they really don’t have the customer’s best interest at heart and who really don’t care to understand what it is that this person is going through.  It’s all about their bottom line and from the Metrix perspective, this is short sighted, and is not a good way to do business.  At Metrix next restoration we seek to empower our customers.  We seek to provide them with the details of their situation and to give them as much insight about their project as possible.  We do not want our customers to be blindsided with details that should have been brought to their attention from day one. 

When a customer really begins to understand their responsibility as a policy holder, the fear of dealing with their insurance company also begins to dissipate.  Having a water damage with insurance and not filling a claim is like winning the lottery and not claiming your prize. Sometimes there are mitigating circumstances around water damage restoration projects that insurance companies don’t always like to pay for, but they will pay for them if the policy holder is aware of their rights and how to negotiation their benefit.

Commonly customers are just too tired and overwhelmed to make their insurance company do what they are supposed to do.  Or they don’t want to get into it with their insurance company because they don’t know what they are required to do by law.  Many times, homeowners might see an invoice $15,000 or $20,000 or $40,000 or more for water damage mitigation and to the homeowner that seems like a lot of money.  

However, they are thinking in terms of their own income, not in terms of the assets which are held by the insurance company.  Insurance carriers have millions and of dollars set aside to handle water damage claims.  When you’re working with that kind of a budget, a $20,000 or $50,000 invoice truly only a drop in the bucket in comparison to what these insurance networks actually have on hand and are actually generating.

Water Damage Industry Standards

Sometimes people fear that their one claim is going to bankrupt the insurance company or that their $30,000 claim is going to make the insurance company all of a sudden not want to do business with them anymore.  However, homeowners should realize that paying claims is the nature of the insurance industry.  This is why policies are written in different ways to include and exclude certain aspects of damages.  Where the confusion comes in with homeowner is that they really don’t know what is included in their policy and they really don’t know what is excluded in their policy.

For the record, there are generals standard which are included in most policies.  These general coverage standards are based on the IICRC S500 water damage and S520 mold remediation standards.  Such general coverage includes specifics line such as water removal and extraction, structural drying, pack outs and content manipulation, demo and reconstruction.  Likewise, the general exclusions are based on sudden and accidental damage.  If damage is due to lack of maintenance of behalf of the homeowner, insurance companies are not likely to get involved.

Overcoming The Panic Of Water Damage

This is what this is what scares a lot of homeowners, they don’t know if the water damage will be considered sudden or accidental and so it paralyzes them.  This fear rapids turns a $1000 water damage deductible into a $12,000 personal bill.  This article was written to educate and encourage insurance policy holders to use your insurance.  The reason we buy insurance is to use it when its needed.  If an insurance company gives you a difficult time after when you have only done what a responsible homeowner should do, you should drop them and find a new carrier.    You would need to file multiple claims in a short period of time in order for your insurance company to be able to justify dropping you.  Again, there are laws preventing the insurance carriers from dropping the homeowners just because they use their coverage.

 Homeowners must get over this fear because every month you are paying into this insurance and it’s generating money for the insurance company.  The insurance company is making money off of those monthly payments and trust me, they’re making a lot more money than what they pay out of any claim, that’s just the way the system works.  We have to remind ourselves of this so that we can act in surety and confidence when we approach the insurance company.  

One thing for certain and two things for sure, the insurance company will try to shortchange your claim but there are methods for handling your insurance carrier such as going through the appeals process, hiring a public adjustor, or suing the insurance company for not paying the bill. Many times an insurance company will shortchange a claim on purpose just because they can, it’s almost standard operating procedure.  Insurance companies operate for their own best interest and will use your ignorance to their benefit. 

This is what this article is written, to help empower the homeowner.  We want to help you get everything you are entitled to, every single time, and we’re going to help direct you to get the satisfaction you deserve.

Flood Metrix Over The Matter

The Metrix customer is a mind over matter type of individual.  The metrics customer wants to look at the bright side, wants to focus on the benefit, wants to focus on the solution and not the problem.  We want to remind our customers that although your home be in a wreck today, when we get finished it will be in an even better position than it was before.  That is the reminder we want to put into the consciousness of our customers so that they are not afraid and know how to proceed even in the chaos and the stress of a flood or water damage. 

If your or someone you know needs help with a water damage problem, choose Metrix over the Matter, because the Power to Change the Matter is in the Metrix.

Water Damage Restoration Professional Network

Water Damage Restoration Professional Network

Water Damage Mitigation Is Founded In Science

The water damage restoration industry is headed by scientists.  The IICRC certified professionals who operate within the water mitigation industry practice a science known as psychrometrics. We are highly skilled contractors trained to perform in high stress situations while providing emergency services for your home or office.

What distinguishes water mitigation contractors from other kinds of contractors is the nature of providing emergency water damage services.  To better serve our customers, we must have and maintain a fluid standard operating procedure.  This allows us to be flexible, direct and accurate at the same time as we apply the science of water damage mitigation.

Water Damage Restoration And Mitigation Logic

I have always attended live classroom trainings my IICRC water damage related certifications.  In class we would conduct experiments by breaking off into groups.  After all the groups had their problems solved, each group would present their solution to the class.  Without fail, if there were four groups, we found four different but correct approaches to solving the problem.







Each group demonstrated how to restore balance to the indoor environment.  Psychometrics, or the science of water damage restoration, is algebraic because we are always looking to balance the equation in terms of the humidity and excess water within a dwelling. At Flood Metrix we determine a of course of action based on science to achieve a result.

Masters Of Mitigation

Water damage mitigation is a game of chess.  It is literally the water mitigation professional versus the actual water mitigation problem.  In a game of chess there are different pieces such as ponds, bishops, rooks, knights, king and a queen and so it is with the professional affiliations of a water damage company such as Flood Metrix.  To better serve the Flood Metrix customer, we take time to network with like-minded professionals qualified to serve our customers in times of need.  Like a game of chess, each referred professional ready to come in and play their role in restoring your home or office like new or better.

When a customer experiences a flood or water damage there are several trade skills necessary for completing their project.  A good water damage restoration contractor should strive to be the entire solution for their customer.  Striving to become the complete solution to your customers problem requires you to develop a network of professionals who reflect the same standards and qualities reflected by brand.  Metrix adds value to our customers industry through the power of relationship.   By creating something that is strong enough make other people want to spread the word.  One can only imagine the fortune and goodwill behind having a customer buy into your business. 

Homeowners love a connected contractor.  A contractor who already has an established network of professionals they trust enough to recommend.  Homeowners want to be able to quickly check out sources from somebody they know and trust.  Such resource provides options, insight, and reassurance on with how to proceed in a state of emergency.  This is important because it requires a lot requires a lot of effort a lot of energy to help bring someone back from the experience of a water damage or flood.

This is why Flood Metrix is always looking to hire qualified talent and investors.  We are also always looking for businesses to network with, in order to benefit from the power of professional affiliation.  Among the many ways businesses can benefit and prosper by applying the principles of networking is the power to generate awareness, sells, and long-term customer loyalty.









Becoming a part of the community consciousness as a recognized brand that can be trusted has less to do with time than we often believe.  Contractors commonly believe that it takes 20 years or longer to become a reputable and recognized local business.  Actually, this is not so much of a time factor, as it is a factor of organization and refinement.  Refining and expanding your capabilities as a professional to be able serve the water damage industry and the people who you serve in a more complete way.

Inherent to this principle, we reap an additional value not just in cash form, in other words, how do you put a number on a person’s loyalty to your brand? At this point in technology, a person can follow, like, share and comment on social media, but never make a purchase.  However, the investment of their attention and engagement does have value or power to influence someone else who does purchase.

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Adding Value To The Water Damage Mitigation Industry

The ultimate goal of being a service professional is to take a homeowner off of the market. Once you become a Metrix Restoration customer, dba Mold Metrix or Flood Metrix, you are off the market.  In which ever way we are able to provide you with service, we are looking to do so. As a water damage restoration contractor it may be necessary to contract specialty aspects to other experts, this is the nature of a contractor.

Water Damage Mitigation Is A Distinguished Service Trade

The water damage restoration industry is connected to many trades in the home services industry.  These include plumbers, remodelers, public adjustors, content storage and more. Certain aspects of water damage projects require that related industry specialist be involved. Emergency water damage response and emergency plumbing are special skills and designations, like badges of honor.  History records that throughout the Covid 19 pandemic, the water damage restoration industry was considered essential.  It is important for homeowners to recognize this distinguishing industry characteristic.  Within each water damage restoration project there are at least three specialty trades: Plumbing, Mitigation, Reconstruction and each aspect should be performed by a qualified specialist.

If you or anyone you know has a water damage restoration or mold remediation project call or visit our website.  There you can find our referrals to companies who provide restoration and related services in your area.  If Metrix does not provide mitigation services in your area, we can still help as we work with companies nationwide.  Remember, choose Metrix over the Matter, because the Power to Change the Matter is in the Metrix.

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