Getting Water Damage Accounts Past Insurance adjusters


One of the most frustrating things about water restoration is getting a call from the adjuster said proof is too high. In my 14 + years in the water restoration company I’ve gotten lots of calls from the adjusters to say that the price is mine is too high at this dehumidifier or this fan, etc. It used to bug me until I learned the secret to prevent most of these calls , communication & documents. Remember to set the need to justify his work with his boss and as long as the price and scope of work can be justified will be paid.

Starting off the job on the right foot is important. You should always get a signed authorization from the insured before work. Engineering will allow some insurance companies to be able to pay you directly, or at least get your name on the check.

Then, as soon as the initial mitigation is performed, call the adjuster and let him / her know what you did. This can be done on the way back to the office. During this conversation, just let configure know what you saw when you came and what you decided to do about. During this conversation, I usually try to steer away from talking about pricing. If they ask about it, I will talk about it, but for me this is more information call the tune. At this point, usually set has not been there and call and inform him / her what is happening is my main goal.

Next, you should have a detailed account. Numbers should include your company name, address (so they can send a check) and your taxpayer identification number. Each room that work was performed in should be separated and tracking down to the nearest inch. Then within each room list each item or piece of equipment. At this point it is good to comment on the issues that are most in doubt, such as cost of dehumidifiers, the number of fans, extraction, etc. Place comments with the items, if evaluate software will let you justify why you charge what you do for a dehumidifier or why you had 3 fans in 6 x 6 rooms. Anything could doubt comment on it. For me this is one of the most important parts of the collection process. Yes, it is time consuming but the set will be able to see the reason for the item. This alone can prevent most calls.

Next accompanied by a copy of the signed work permit and signed certificate of satisfaction. This shows not only that the client was happy, but they allow you to work. Make sure to work your authorization form includes a section in it that would allow insurance to be able to pay you directly. I, personally, had my lawyer look over my form to make sure it was to finish what I wanted it to achieve. I would strongly suggest that you do the same if you got the general picture from somewhere or you came up with your own photo.

Another tool that helps justify the bill to set a daily reading of humidity you. You should be holding temperature, humidity, and grain (GPP) inside, outside, independent area, dehumidifier (s), and ventilation. By doing this you will be able to learn about what is happening in the work. For example, several years ago we opened a new refrigerant dehumidifier and took it straight to work. When we got there and turned it on we started to run pshychrometric our reading and discovered that there was a problem with a dehumidifier. It was great to find that out and not the next day when we would have had a lot of evaporation and no dehumidification. Using corn reading can also help you to prove that the device was off, the door was opened you wanted closed, a window was opened, etc. When used correctly, can prove to the adjuster why you need an extra day. Also make sure to include plenty of comments to go with your readings to explain what you saw.

Going with the daily reading of humidity you try graph from data logger. Data loggers can be configured to record temperature and humidity as often as you want. I think our set to take every minute and it gives you a graph of what is happening in practice. When the job is finished, print graph and turn it in the invoice. Just as with the daily reading your graph will help prove what you saw happening in practice. (eg doors left open, open the windows, turn off the equipment, etc.) Taking hour meter reading of your equipment in several places of work can also help to prove when things were not running and should be changed as part of the data devices.

Kevin Pearson is a member of Pearson Carpet Care. He has over 17 years experience in cleaning and restoration companies. He serves on several committees with the IICRC (Institute of Inspection, Cleaning and Restoration Certification) and the control of the PCRA (Professional Cleaning and Restoration Alliance). Kevin has dried building in Texas, Oklahoma, and Louisiana. He has extensive experience drying residential homes but also dried office buildings, chemical plants, historical homes, Southern Methodist University, Stephen F. Austin State University, The Toyota Center (Houston Rockets in the play) and more.


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