High Deductible Means Self-Pay for Water Damage

3/30/2020 (Permalink)

When it comes to dealing with insurance and water damage, homeowners often get frustrated. Insurance companies march to the beat of their own drum, and aren’t as concerned about the homeowners’ needs as much as they are concerned about what makes financial sense to them. This oftentimes leads to homeowners paying out of pocket for many of the services that they have to deal with when it comes to things like water damage and mold damage. 

For one homeowner in Cary, their deductible was so high that it seemed like all hope was lost for being able to afford the repairs that they’d need. They woke up one morning and noticed wet carpet in the hall and followed it into their son’s room. They called a plumber, who came out and found that their furnace was leaking into the carpet. He fixed the leak but recommended calling a professional restoration company to make sure there was no mold.

They called their insurance company, who recommended SERVPRO of Southern McHenry County to get the job done. Unfortunately, their insurance also let them know that their deductible was $5000, so unless the damage was severe, they would be better not filing a claim.

Our Owner, Robert Hammerschmidt, made it out to the job first to check out the damage. He walked through loss with the owner to determine the course of action. And then Nick Frank, the Crew Chief, brought his team of expert technicians to the home. As soon as we got there, we got to work.

We found mold underneath the home, but thankfully it was newer mold so we were able to kill it with anti-microbial. From there we removed some drywall in the hallway and some baseboard in the son’s room.

The homeowners were so happy that SERVPRO of Southern McHenry County was able to work with them to make sure the price was affordable. They were also happy that we worked to save as much of the home as we could so they would not have to pay for that much demolition. They promised to call us again if the need arose!