Insurance Frequently Asked Questions | Restoration Company | Local Home Services

Insurance Claims Frequently Asked Questions

Whether you’ve experienced fire, water, or wind damage in your New England home, there’s a high probability you’ll have to go through your insurance company to get your damage restoration services approved.

If you haven’t dealt with the insurance claims restoration process before—and we hope you haven’t! — it can be rather confusing. To help you know what to expect, we at Local Home Services have put together a list of some of the most commonly asked questions below. If you don’t see what you’re looking for, don’t hesitate to call us and ask!

Common Questions About the Insurance Restoration Process

  1. Do I need to file a claim?
  2. When should I hire a damage restoration company?
  3. What kind of insurance claims restoration support do you provide?
  4. I just had (or am having) an emergency. What should I do?
  5. What should I look for in a New England insurance restoration company?

1. Do I need to file a claim?

While the choice to file a claim is ultimately yours, there are some cases where filing a claim simply doesn’t make sense. For example, if you have a high deductible, the damage restoration may cost less than the deductible itself—making it easier to just take care of on your own, without going through your insurance company.

Contact a reputable New England insurance restoration company to assess your damage and help you determine whether you should file a claim.

2. When should I hire a damage restoration company?

Although many people go directly to their insurance companies when a disaster strikes, it’s often a good idea to have a restoration company in place before you begin the claims process. By hiring a company beforehand, you can get help with documenting the damage properly, meeting the insurance company’s adjuster, and completing the required paperwork.

Keep in mind that your insurance company may recommend a New England damage restoration company for you to use. While you are free to accept this recommendation, also know that it is your legal right to choose your own contractor.

3. What kind of insurance claims restoration support do you provide?

At LHS New England, we can help you with insurance claims for nearly any kind of damage restoration, including:

Keep in mind, however, that specific coverage depends on your particular insurance policy. If you have any questions, contact your insurance provider or give us a call to see how we can help.

4. I just had (or am having) an emergency. What should I do?

Most homeowner’s insurance policies have a clause that requires the homeowner to prevent further loss or damage as much as possible—something known as “mitigating damages.” Failure to mitigate damages can result in forfeiture of your insurance coverage.

So if you are facing an emergency, call LHS New England right away! We have emergency responders available 24-hours a day, 7 days a week. The sooner we can arrive at your home, the sooner we can start mitigating and documenting the damage—two critical steps to eventually getting your insurance restoration claims approved.

5. What should I look for in a New England insurance restoration company?

When choosing a contractor for your damage restoration and insurance claims assistance, be sure to ask yourself—and the company—the following questions:

  • Is the company local?
  • Do they provide 24-hour emergency services?
  • Are they properly licensed?
  • Do they have relevant experience in insurance claims?
  • Can they provide recent references?
  • What credentials and industry distinctions do they have?

More Damage Restoration Questions? Call LHS New England Today for Answers!

Whatever kind of damage your home has suffered, LHS New England is here to help you restore its condition with minimal stress and personal expense. Call us today for more information, or fill out our online form to request your free pricing!

24/7 Emergency Response Phone No.

24/7 Emergency Response (401) 651-9011

If you've experienced an emergency event, whether a flood, fire, or trauma, Local Home Services of New England is available 24/7 to help. Call us right now.

Let’s Get You Free Pricing!

Fill out the form below to receive a free quote and learn just how affordable quality can be.

Get Started Now

Make your Dream Home a Reality with Home Improvement Financing Options

Find the right home improvement financing option for your renovation loan.