Do We Wait for Insurance Approval Before Moving Forward?

Almost all insurance policies require that the insured mitigate the loss to prevent additional, secondary damages. Enhanced moisture content in structural materials can lead to microbial growth, which can increase the scope of a particular size loss. Water travels over time, so if you wait to begin mitigation, previously unaffected areas could now be affected. 

If you follow the IICRC S500 Standard of Care for Professional Water Damage Restoration, the work must be performed in a specific manner, as outlined in the Standard of Care. No matter whether it's covered or not, the work scope will remain the same. Consequently, it is always best to act quickly, mitigate secondary damage, and limit the overall scope and financial liability of the loss. 

As every situation is unique, you should discuss our recommended next steps with your Project Manager, and they will tailor a strategy based on your loss