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Disaster Strikes. Should You Call Your Insurance or Restoration Company First?

When disaster strikes, it’s easy for panic to set in. You’re going to have lots of questions. Who do I call? What do I do? And, who do I call first: my insurance company or a restoration professional? Let us help walk you through this tumultuous time.

Note: If you are in need of a restoration company near Loveland, CO ASAP due to fire, water, or mold damage, give 970 Services a call at (970) 888-0970!

Step One: Put Safety First

First and foremost, you’ll want to make sure everyone in your household is safe and sound. Before you call anyone, respond to any emergency situations—especially during a home fire or flood. If the home isn’t safe—such as in case of a fire—get your family to a safe location before making any calls.

Step Two: Breathe

Breathe. Panic is common in disaster situations, but remind yourself that everything is going to be just fine. You have home insurance for a reason—and when you choose the right restoration company in Northern Colorado, you know your home is going to be in good hands.

Step Three: Assess the Damage

Once the disaster has ceased (i.e. the fire department has put out the fire or you’ve shut off your main water valve), it’s time to assess the damage. During this process, don’t touch anything or clean up the scene. You may feel inclined to pick up belongings and go, but leave them be. Disturbing the scene can lead to problems with an insurer—and sometimes it can lead to a claim being denied!

During the assessment stage, you’ll also want to document everything for insurance purposes. Insurance companies and restoration professionals will document and photograph the scene when they arrive too, but it’s never a bad idea to have your own documentation.

Step Four: Contact a Restoration Company

Many homeowners will call their insurance companies ASAP. We’d recommend waiting and calling a restoration company first. Why? Because you’ll have the chance to seek out a restoration company on your own terms and get both sides before choosing what to do next. Here are a few reasons we’re a little biased:

Step Five: Report to Your Insurer

Finally, you will want to report your disaster to your insurance company. And, you shouldn’t wait too long. Typically, insurance companies will want to assess any damage ASAP. However, the claims process can take weeks to complete.

Choosing a trusted, local home restoration company in Northern Colorado can help you with the claims process—especially if they’re willing to go the distance for you and your home.

970 Services: Northern Colorado’s #1 Trusted Restoration Company

At 970 Services, we understand disaster. Our team is always professional, attentive, and willing to go the distance for any and all of our clients in Northern Colorado.

If you are ever faced with a disaster, like a fire or flood, remember to call a local, trusted home restoration company (like us!) first. Need assistance ASAP? Give us a call now at (970) 888-0970 or contact us online for a free estimate.

Located in Loveland, CO, we also offer home restoration service in the following areas: Fort Collins, Loveland, Ault, Greeley, Denver, Windsor, Boulder, Longmont, and throughout Northern Colorado.

  • I can’t recommend 970 Services enough! We had extensive hail damage & Andrew Golding came out & was so kind, grace filled & helpful. We had a hard time dealing with insurance & they partnered with me on the process making the roof replacement the easiest part of our hail damage experience. A++ you can’t go wrong! I absolutely would hire them again in a heartbeat.

    G. Lynn Avatar G. Lynn
    September 20, 2023
  • We are very pleased with 970 Services work and their customer service. Our roof was damaged from hail and needed to be replaced. Aaron worked with our insurance supplemental team and ensured we got the full amount that was owed to us. He also made sure the work was done correctly on our roof with a post inspection. Very professional and friendly. Thank you 970 Services for all your help! Definitely recommend!

    Ryan Singleton Avatar Ryan Singleton
    September 19, 2023
  • Steve and his crew have done several projects at our house (water remediation, painting, plumbing, minor electrical, etc.), and I would use them again in a heartbeat. They are professional, responsive, and do top quality work. Their detailed estimates show where every penny goes, and they let you know if something needs to change. It's a great feeling to know that I can reach out to Steve if there's a problem, and he'll find a way to solve it.

    Crystal Phillips Avatar Crystal Phillips
    August 23, 2023
  • We had a water leak from our hot water heater and our insurance company recommended 970 Services. I cannot tell you how great they were. Steve scheduled us quickly, did a very thorough inspection of damages, set up drying equipment and got things headed in the right direction. He then coordinated all necessary sub contractors for drywall, flooring, and even requested to be present when the insurance adjuster arrived so that they couldn’t skimp on us. This is the company you want to work with and I will never call anyone else! Thank you Steve & 970!

    Kyle Taylor Avatar Kyle Taylor
    April 11, 2023
  • WOW is the best word to describe our experience with this company and it’s employee’s! Talk about having integrity in what you do!!😃 The professionalism, attention to detail, craftsmanship and personable interactions blew my husband and me away. We have had plenty of not so good experiences and this company has restored our faith to trust a precessional to not only do their job well but to go above and beyond expectations. I’ve referred them to my family and friends and would refer them to any stranger. Thank you guys for taking such good care of our home! C. Rhamy

    Chris Rhamy Avatar Chris Rhamy
    June 9, 2022

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