Water damage Denver people. It is good to be alive and well and ready to give you another couple minutes of gold. Hopefully, hopefully you take a nugget or two from the latest edition coming from big foot restoration and repair. Just a few minutes that we like to spend, uh, going over current events, kind of anything that might relate to water damage Denver issues, anything that we can speak on that might just be something that a listener is never heard before or never considered before. And a lot of this stuff is kind of second nature to us and it’s stuff that we deal with every day. So to be quite honest and forthright it, it can seem just a bit bit useless sometimes just to be completely honest. But then I step back and think that, you know, this is an industry that we work in and have worked in for a long time.

And just in case you didn’t know, big foot restoration currently offers you probably in the neighborhood of somewhere between 45 and 50 years worth of experience in the industry. So hopefully, God forbid you ever have a water damage Denver situation. Um, but if you do, um, hopefully you’ll trust that we have the authority, the savvy, uh, the technical skills and certainly the customer service to be able to execute and help you through that trying time. Um, you know, I, I got, I’ve got story time that I really, really, really want to share. We’re in the middle of a job that, uh, is so, so awful. It’s kind of funny. Um, so incredibly unique and it’s gonna it’s gonna make for a great podcast or two or three, maybe four. Maybe we’ll just go on one epically long episode rant. I think probably the longest one we’ve ever done is on the 20 minute range.

This one might, might need to go, um, you know, maybe kind of a lifetime lifetime movie length. I don’t know. Um, of course we’re gonna have to, Oh, maybe we could turn to movie. Probably could be lots of drama in this one. And I’m teasing Ya. Um, because I’m not going to share, but I really, really want to, it’s so tempting to throw out a few nuggets, but it’ll be interesting to see how this wraps up and, uh, hopefully it goes well. So stay tuned, give us, give us a few more days or maybe a week to wrap this puppy up and then we’ll kind of dive in to some of the craziness that, um, that, you know, unfortunately a family is going through right now. Everybody’s safe, everybody’s fine. So there was no, no issues there. And like we already talked about stuff and stuff. It can be replaced lives and health cannot, so that’s, you know, the bummer that, you know, some super nice stuff has been damaged and a very nice house is, uh, undergoing some things right now.

But, um, anyway, we will, we will definitely detail that job. We’ll definitely take you through some of the behind the scenes stuff and not that we want that to be entertaining, but what we do want to do, water damage Denver friends is always educate and help people kind of think through situations and hopefully avoid any unearth, unnecessary challenge or heartache down the road in your life. So, um, we have a quick one for you today, but, um, what we are going to discuss just for a few minutes here are water damage Denver friends is what, what the insured needs to do, what you will need to do if in fact you are filing a claim as a result of water damage Denver or anything else, any damage to your property, smoke, fire, mold, water. The second you pick up the phone call and ask to speak to an adjuster or your insurance agent to get a claim rolling.

Um, that’s, that’s the beginning for sure. And it can be a bit overwhelming and a bit taxing to get through the entire, um, start to finish of a claim. But here’s, you know, I guess the reason that I wanted to, to rock and roll through this real quick is that this particular individual that we’re wrapping up a claim with right now, he’s, he said many times, look, this is the first time I’ve ever done this. I don’t know what to do. I’m not sure who I’m supposed to call. I’m not sure what the timeliness issue, you know, receiving checks and all these things. I don’t know what’s too long. What, when is the right time to become concerned or upset or, you know, start, you know, reaching out to my adjuster and saying, hey, we need, we need some movement here or whatever. Can you, can you give me direction and we’re happy to, um, we’ll do whatever we can.

Of course we, we can only kind of give opinions and suggestions and, you know, kind of be a off the record resource, but we just want the best for all our clients. So that’s our goal is to help. Um, but what this individual, one of the things was, is that he received a check and he, he did have a couple of different checks because of the way a gesture wanted to classify, classify things. He wanted to separate a couple of parts of the claim out, which is fine, no big deal. And we did that, um, to just find, make sure that, you know, everything was well understood by, by the insurance company and the adjusters. So what this gentleman said is, you know, I, I got a check here. Um, I guess it’s for you. And we, we thought perhaps that, you know, was the check for the mitigation part, which, you know, is a major, you know, it’s one of the parts of water damage Denver’s situations when, when there’s damage done, you know, captain mitigate, you have to get things dried out, you have to demo, and that’s what goes into it.

So, um, but the check that he received was, was a number that the homeowner didn’t really understand. And so, um, what we did when we showed up is, um, realized that it was about $1,500 less than, than the actual mitigation cost. And, you know, he was, he was a little upset. He wasn’t under he, you know, he didn’t know if we overcharged or if the insurance company was trying to mess with them or kind of what, what was going on. But it was very simple that, that amount, you know, one of the first questions I asked him, well, what is your Ho, you know, Property Han policy, what’s your deductible? And he said, you know, I don’t know, um, let me check. So he checked and guess what it was? It was $1,500. So that amount right there was equal to the amount that basically was absent from that check.

And that is his responsibility to cover. Um, the insurance company isn’t going to give you ever a check for the entire amount and you know, patiently wait for you to write them a check back for back for your deductible. And so whether or not this guy should have known it or maybe should have seen it a little bit obvious, it just didn’t, it never crossed his mind that they would deduct his deductible from the check that they cut him. Now that the other check the check for the rebuild, um, that will be the entire amount. They only did take your deductible out once for the claim. But that’s why when you’re choosing a policy, you’ve got to decide kind of what, what’s gonna make the most sense for you. And typically, you know, a higher deductible might mean a lower premium and a lower deductible might be in a higher premium.

So it’s all kind of risk assessment and figuring out kind of which way you want to go. But, um, you know, and I, I don’t claim to know much if anything about how policies or, um, you know, kind of what all of the options are. But just say there was such a thing as a zero deductible policy. I have no idea if, if that’s the case or not. So water damage, never friends, no emails, no hate mail, no nasty phone calls if there’s not such thing. But just, just suppose that there’s a $0 million deductible. Uh, you have got to, you know, water, uh, pipe break during the middle of the night. You’ve got a water damage Denver situation and you need big foot to get out there now. So, um, you may have been Kinda begrudgingly writing those checks or having that, that amount auto deducted, you know, over the last year or two years.

But in the case of a water dam damaged Denver situation, you know, a disaster of any kind that you decided to put a claim in on, you’ll get 100% of that check. Supposing again that there is such thing as a $0 million deductible, but you say $500 a thousand dollars. I don’t, again, I’m not sure what, what all the options are, but the lower the deductible, the more of that claim check that you would receive if and when you ever had water, uh, water damage, Denver situation or any other sort of issue that was validated by your insurance company. So, you know, understandably so. He was just a touch, bummed out, touch, irritated that, you know, he had to come up with that other $1,500. But there again, the trade off is that relatively speaking, low amount that he paid out, you know, every month for his own homeowner’s policy.

So, um, just keep in mind that as you choose your policy and as you, um, think about Kinda your risk ACEP assessment, excuse me, your risk assessment of your particular situation. Uh, just consider, you know, what’s, what’s best for me. Do I want to pay a higher monthly premium and not have so much come out of pocket? Should anything ever happen or vice versa. And ask your agent to lay it all out and kind of help you understand what each option means and how, how it would affect you if literally you never made a claim or maybe you were just hit with a string of bad luck and you had multiple. So, um, other things that we could go into about this particular gentleman, but just a couple of little nuggets to chew on. And a couple little things to think about, um, to just educate yourself to be the best water damaged timber friend you can possibly be. You guys are the best. We sure appreciate, um, the opportunity to serve. We’re here when you need us. Seven, two zero five, seven, five foot water damage. Denver friends and family. Hang tight. We’ll be back with you soon. Soon.