Insurance Help

NEED HELP WITH YOUR INSURANCE CLAIM?

Steps to make the insurance process easier (and help you maximize your claim!)

1. Call A&D Hydra Clean at 317-255-5658. We will answer all your questions (for free!) and start the process of returning your life to normal.
   We will work with your adjustor in fairly assessing the validity of your claim. It is in the best interest of you,  your insurance company, and A&D Hydra Clean to meet with you and your adjustor especially the first time. This is likely the only time he or she will be in your home to assess the extent of damage and potential costs. Please inform us of the day and time we can all meet together.
2. Call your insurance company’s claims office.
   Discuss your loss with your insurance representative to see if it is covered. Do not be afraid to challenge them if they say it is not. Flood waters (unless you have flood insurance), slow leaks, seepage, or inadequate maintenance type losses are usually not covered. Generally most water losses are covered, but there are some exceptions depending on the source, length of time, and other causative factors.
   Verify your deductible  from your policy, agent, or claims representative.
3. Document your loss
   Take photos and document all damage to your property and contents (if it can be done safely). In order to be thorough we also will keep a photo journal throughout the process.
4. Take Immediate Action!
   If the claims office representative tells you to either wait for the adjustor to contact you or instructs you to get an estimate or two, those instructions almost never represent the true intentions of your insurance company. They (and we) strongly recommend taking immediate action to minimize damage and expense.

BE PREPARED!

• One of the best ways to help with insurance is to be prepared with adequate coverage.
• Talk with your agent about what is best for your home or business.
• Make sure you have Sewer and Drain backup coverage (includes sump pumps and floor drains). This relatively inexpensive coverage may be an endorsement or a rider (check with your agent before you have a loss – not the day of).
• Check to see if you have a cap (maximum dollar amount the insurance will cover on this type of loss). You may want to talk to your agent about increasing your cap especially if you recently remodeled or finally finished the basement. If you lost everything, would the cap plus your obligatory deductible be enough to cover the cost of labor, materials, and contents restoration and/or replacement?

HERE TO HELP YOU!