Morgan Disaster Clean Up & Repair

Each situation is unique and insurance coverages vary, but most insurance policies are fairly similar. Most insurance covers damage that is sudden and accidental. Anything that is long-term could be considered a lack of maintenance, which is not covered by insurance. Many people think that if it was their fault (like accidentally leaving the water on and flooding their house), it won’t be covered. But that’s the exact reason for insurance—unfortunate accidents and mistakes. There are often exclusions and exceptions, so reach out to us and we’d be happy to assess your situation.

This varies depending on the job, but we can usually give an accurate time estimate once we’ve surveyed the damage. The overall time also depends on how quickly your insurance responds. The total process includes mitigation, then approval, then repairs. Mitigation can take anywhere from one to fourteen days depending on the complexity of the situation. Approval can take anywhere from one week to a few months. Then repairs can take anywhere from one week to several months depending on the severity. We do everything we can to minimize this timeframe but much of it depends on the homeowner’s insurance company.

Whether the loss is from fire, water, or some other source, the scope is difficult to define until we are well into the job. We do our best to provide a rough estimate for mitigation upfront and these are fairly accurate. However, we don’t attempt to estimate the rebuild until the mitigation is complete. Once mitigation is complete, we can provide an accurate estimate for the repairs because the scope is defined.