In the aftermath of catastrophic events like hurricanes and floods, it's crucial to take immediate steps to protect your property from further damage. As a policyholder, you have a duty to mitigate damages, which often involves hiring a qualified mitigation vendor to promptly dry out your property after water damage occurs. Here’s how you can ensure this process goes smoothly and effectively:

Before Authorizing Mitigation Work:

• Review Terms Carefully: Understand that by signing an authorization to begin work, you might be agreeing to unfavorable terms or unnecessary services.
• Request an Estimate: Ask for an itemized cost estimate before any work begins to avoid unexpected expenses.
• Inventory and Retain Damaged Items: Take inventory of all damaged personal property and keep these items for inspection.
• Photograph the Damage: Take photos of the damage before any building materials are removed to have a clear record for insurance claims.
• Log Details: Ask your remediation vendor to keep detailed logs of drying times, dates of completed work, the number of personnel, and equipment used.
• Refer to Us: Refer your mitigation contractor to our office as soon as possible to ensure alignment with your insurance coverage.

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By taking these steps, you can help protect your property from further damage and ensure a smoother claims process. If you need assistance or have any questions, please don't hesitate to contact us. We're here to support you through every step of the recovery process.

Did you know that we can run the motor vehicle report before you hire a new driver to help avoid costly surprises at renewal?

Many factors go into renewal pricing including driving violations.  This means that if a driver has violations on their driving record, it could lead to an increase at renewal. 

Depending on the violation(s), it could also lead to a non-renewal from the carrier.
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Therefore, call us before you hire and let us help you with what should be a part of your background check. We can take a look and mitigate what could become potential impacts to your insurance.