Water Damage Denver people. What’s up? Good to be with you today. I’ve got 82 on my thermometer right now. It’s not even may yet. And I’m hoping, um, maybe that’s just in direct intense sunlight because I’ll know that I’m completely ready for, um, for those sorts of tips like that. I love the bit of Crisp Enos that Spring and early summer brings. So now though, nevertheless it’s beautiful and probably um, hopefully nobody out there is in the midst of any sort of water damage Denver issue and um, if you are give us a call. But what I want to talk about today is a um, kind of just a little insider tip on how to deal with water damage Denver situations. Um, I think I’ve spoke, um, generically or maybe just kind of um, vaguely about this job in, in previous podcasts and it continues to be an interesting one.

And if you haven’t realized by now, I’m, I’m big into sports, I’m beginning to competition and I, I really geek out on, on the strategy that goes into game plans on the methodology and between, um, you know, how coaches and teams interact and how to get any sort of an edge on, on your opponent and not to be necessarily dirty or manipulative, although it’s pretty easy for some coaches and players to cross that line and have zero issue with it. But, you know, personally as, as a young man growing up, loving sports, wanting to compete and wanting to succeed, um, I wasn’t what you would call, you know, some genetically gifted person, um, pretty much kind of a diamond dozen, five, 10 white kid quick, not real fast, didn’t necessarily jump out of the gym. I’m not, you know, not just incredibly muscle bound naturally like some of my friends were.

And you know, I did fine and I worked to get myself in shape to compete at a, at a decent level, but, um, just naturally wasn’t born, you know, with huge size, incredible strength, whatever. And that’s okay. Um, it taught me a lot of good lessons, but what I had to do is make sure I was smart and I studied my opponent and I made sure that if there was any sort of weakness in their game or any sort of deficiency that I could try to take, take advantage of or exploit. Um, why not, right. You know, I used to guard a lot of point guards are off guards in basketball and one of the first things I would try to do is figure out if they could dribble with their left hand. So I’d push him to the left and if they couldn’t, I just eat him up all game trying to push them to their left may make them use the hand they didn’t want to and you know, probably dribble the ball off their knee or make an easy steel.

Um, there’s just one little thing and there were tons of other little things that I just try to do if I, you know, it was out of the game, you know, watching getting a breather, um, would definitely take an extra look at the guys that I might be garden later on to see what their tendencies were or anything that I could do, you know, keeping my repertoire for later in the game. Um, and it served me well. I did pretty decent in high school and actually played college sports as well. And it was, it’s always more fun when you’re good at something and when you can succeed. And I know in this day and age, everybody, you know, sports is something that’s always gotta be fun for everyone. Nobody wants to get their feelings hurt. I don’t really subscribe to that notion. I think that there can be a lot of phenomenal lessons, um, based on understanding that you’re not as good as somebody else and you need to work harder and you need to apply yourself and you don’t need to be told you’re the best are given, um, a blue ribbon.

It’s okay. It’ll to learn some of those tough lessons, but that’s probably a different podcast for different days. So the whole point of this little diatribe of, you know, introducing sports and competition in is that insurance companies will, will also, um, capitalize on opportunities to, uh, quite honestly when at what they’re trying to do. And that’s okay. That’s the way they stay in business. It’s not a newsflash to anybody that insurance companies don’t stay in business. Just writing massive checks for water damage Denver claims or smoke or fire or mold or any sort of loss that they’re insured might call him up and say, Hey, um, I need this covered under my home insurance policy. Uh, take care of it, please, I’ll pay my deductible. And you guys take care of the rest. Um, that, that just doesn’t happen. Um, you know that you’re going to have an insurance agent that will properly direct you.

Okay, we think you’re covered. We don’t think you’re covered. Let’s have a discussion here. And ultimately, you know, if it gets to the point where they’re willing to send an adjuster out, the adjuster will come and they’ll, they’ll take a look at the water damaged inverse situation or the, you know, the last few had a fire or whatever, and they’ll make a determination, number one, if they’re going to cover it, but number two, exactly what they’re going to cover in exactly what you know, they’ll pay for. And in the case of this job that we’re continually dealing with, the insured put his first call in to, um, the agency probably five or six weeks ago. And I wouldn’t say that he has necessarily been Johnny on the spot with following up and making sure this whole product or process is expedited, expedited. But, um, he hasn’t gotten a ton of help in my opinion, from the insurance company.

So today, finally, today, um, the adjuster came out and took a look and was, was a nice guy. And most of them are, I mean, there are those people do great work. They are, they’re trained, they’re knowledgeable, they know, you know what, what they need to look for. But they’re not trained to go out and just start handing out blank checks there. They’re going to be meticulous. They’re going to be responsible for their company and the people that employ them. And the name of the game, the competition, so to speak, is to quite honestly, they want to do what’s right and fair for the customer, but they also want to minimize that payout. And so there’s always a bit of a, of a butting head type scenario where, you know, a, a person like myself, the Mitigation Company, um, the restoration company, the water damage Denver Company, however you want to term it, well, we’ll have one set of opinions on this is, you know, the equipment that needs to be set.

This is, um, the stuff that needs to be pulled out. This is what we need to do. And then you’ve got, you know, the representative for the insurance company saying, no, we don’t, you know, we don’t see eye to eye on that. We don’t think the water damage Denver is that significant or we think you should be able to dry this out in two days, not four. And the Nice thing is, you know, we’ve got diagnostic equipment which gives us readings, which basically tells us when we can stop, you know, when we can tear down the equipment and you have to reach our standard before you can do that. And that’s just, that’s just the way it is. Otherwise the, the insured isn’t being treated correctly. And so anyway, to move on, um, you know, for the most part the conversation and the interaction today was, was good.

It was positive. And, um, I think we’ve got a good solid understanding of, you know, what needs to be done. But I have yet to see what this gentleman we’ll come back with as far as an estimate for mitigation, for rebuild. Um, you know, just really quite honestly to, to deal with this water damage Denver situation for this particular gentleman, gentleman that has now turned into there’s growth, there’s mall, there is an additional aspect of consideration because it’s been so long since the source of this. Um, water damage Denver out out in North Water Damage Denver. Um, since this situation started that now there’s more that needs to be done. And guess what? This poor gentleman’s policy doesn’t cover mold. And I think that there’s even a mold rider on a lot of policies these days that specifically exclude that, um, from being covered, which, uh, that, I mean it wasn’t any of my business, but then the back of my mind, I’m thinking, well, if he called you six weeks ago to talk to try to place a claim and today you finally got an adjuster out here and there’s mold, there’s growth.

Whose problem is that? Whose fault is that? Is that his, what was he supposed to do between then and now? Um, with the intention of him making a claim again, he, he was at least given enough of a carrot there to where he thought, I’m going to follow through this claim and do my due diligence. And you know, five or six weeks later, the adjuster shows up to look at his situation and there’s mold, but they’re not going to cover it because that’s, that’s excluded. So little bit curious if it was my house, I would, uh, definitely, um, had a question or two on that one. Um, but here’s the, here’s kind of the bottom line and we’re going to wrap this up here shortly. This is going to be a short one today, but in the spirit of competition, in the spirit of, you know, everyone always looking out for their best interest and wanting to win the game so to speak. Um, you know, I’m in one room kinda getting my details figured out, getting you know, all the rest of my pictures and different measurements and have everything from my file and I hear the adjuster, um,

approach the homeowner and say, okay, so I’ll have, I’m going to have this total for you this afternoon and how would you like to be paid? How can we get this to you as soon as possible? Can we do a direct deposit for you? Who, who doesn’t want direct deposit? I mean, at this point in time it’s pretty much, it’s pretty much the way the world operates. We’ve got, you know, I’m not exactly sure if there is such a thing as getting your paycheck at the end of the pay period anymore. Um, you know, we went to direct deposit years ago and jobs that I’ve had, you know, decades ago, decade ago or so, it does the direct deposit thing, um, tax refunds or direct deposited these days that everything you just get your bank routing number and information and you’re good to go. And it’s super convenient. I have to worry about anything getting lost in the mail.

It’s good. However, was something like that. You’ve got to understand that the game is, it’s in the balance. It’s in the fourth quarter of the time is running down and you can’t, you can’t choke. And this, this guy just about choked and he didn’t even know because he wasn’t experienced in this sort of thing. But he said, yeah, um, direct puzzle would be fine. And so the gentleman, uh, the adjuster went out to his car to get, get some stuff and I just stepped into the hallway and I said, sir, you might want to rethink that. I’m sure this guy is going to treat you fairly. He’s going to treat you honestly, you know, and go by the book. But as I understand it, the second that you have that money in your account, that’s the end of your leverage. There’s no going back and saying, oh, but what about this?

Oh, but what about that you’ve accepted their determination of what, you know, what your costs are going to be for rebuild and mitigation and everything. Now, I could be a bit off there. There could be some gray area in there where they would revisit things and they would, um, maybe you know, c Oh, given you a few more bucks or here or there. Um, but the fact that if you physically have the money from that claim in your account, game over, they won and there’s, there’s no overtime, there’s nothing more that can be done really. Um, unless you get kind of nasty and digging your heels as far as they’re concerned that files off their desk. And so my suggestion to him was ask for a check. Get that physical check in the mail, look at the line items of everything. And he probably had even have that before the check.

He’d probably have an email to him as far as everything that needs to be done, but at least he’d see that amount. He’d know exactly what, you know, what was determined. Uh, you know, what, what led to the total and he could dispute, okay, before I accept this, can we please look at this? Or can we please remember this? Just the Guston we’ve had about that. And the fact that no money has been accepted, you know, money hasn’t changed hands. They’re still a game to be played. There’s still a little bit of jocking for position. There’s still some strategy that can be implemented. And again, not that any homeowner would want to, you know, be intentionally manipulative or try to get a, you know, a rookie adjuster to give more than they should. That’s not the point at all. It’s just to make sure that everything has been properly looked at and gone over and absorbed before, before that final check is accepted.

You know, God forbid anybody who’s ever been in a, in a car accident or some, some sort of significant accident where there’s possible injuries involved, the insurance company wants to settle, they want to get on the phone with the injured, especially if their client is, it is at fault and they want to get an amount and they want to, you know, it could be a little flashy, they can say, hey, okay, you’re, we’re gonna, we’re gonna drop a check in the mail or we’re going to direct deposit you for $50,000. Okay, but we want to get that to you asap. And that might seem like a nice big number and wow, I got to take advantage of this now. But the second they do that, that is the end of the claim. And that’s it. And so you know, it, it’s Kinda tough to determine which lawyers are Bilbo billboard lawyers in which ones really aren’t, I guess.

But that’s why there’s so many commercials saying before you talk to the insurance company, before you settle, please talk to us, have some professional representation to look over the settlement that they’re offering to you and then we’ll decide if it’s fair or if it’s not. And then you know, you’ve got these commercials saying so and so got me a half a million dollars so and so got me one point $6 million and whether or not, you know, those are are a bunch of fluff or not. The main thing is you just want to be compensated fairly. If you know, in the case of an incident accident, if you, if you’re going to have light sustained injuries for life, there needs to be some pretty heavy monetary compensation there. If there’s, you know, there, and not to go off on that down that rabbit hole, but obviously that the Annie can be up there, but it’s still the same with water damage Denver, it’s still the same with any sort of lost that you might have.

You just need to take a look at it. You, you need to have a, you know, maybe another resource, professional resource or to take a look at it and make sure that you’re, you’re in the game, that you’re calm, you’re looking out for yourself and that you feel at the end, like you’ve been, you know, treated fairly, that you have been made whole so to speak. So, um, water damage Denver of people. It’s been, it’s been a good one. I would love if I can mix a little sports end to it and it just got by competitive juices flowing when I, when I heard, you know, this little bit of dialogue going back and forth and I’m glad when the adjuster came back in that um, the insured was able to think on toes a little bit and say, Hey, you know, my wife has my checkbook.

Um, let’s just hold off. You can go ahead and send me a check. And um, you know, appreciate you know, your, your time and if I have any questions I’ll get ahold of, of yes. So he did exactly what he should do. I would always encourage, you know, everybody out there to take that same approach. Unless you are 100000% sure that you know you’ve got, you’ve still got some wiggle room. If you do get that direct deposit and you still do have some questions, any water damage Denver situations, fire, smoke, please, please, please know that big foot’s therefore you 70 zero five seven five foot and we’ll be back with you soon.