Interviewer: Why is it so important for homeowners to know the details of their insurance policy?
All Dry Services of Southeast Jacksonville: It’s huge. Many homeowners are shocked when a flood or water damage event occurs, thinking they’re fully covered—only to discover limitations or exclusions. Policies often have caps, limits, and technicalities, and coverage may differ depending on whether the damage was sudden or gradual. Reading your policy carefully, including add-ons, and discussing it with your agent can prevent surprises down the line.
Interviewer: When water or mold damage occurs, how important is documenting the situation?
All Dry Services of Southeast Jacksonville: Documentation is critical. Photos, notes, and timelines help both you and the insurance company understand the full scope of the damage. Whether it’s a burst pipe or a toilet overflow, knowing the cause and recording it immediately is essential. At All Dry Services, we conduct our own forensic assessments and documentation, but homeowners should also take their own photos and notes as soon as possible.
Interviewer: What tips do you have for homeowners when calling their insurance company?
All Dry Services of Southeast Jacksonville: Surprisingly, the first call shouldn’t always be to your insurer. You need to mitigate damage first—meaning, prevent further harm. Call a professional to assess the situation and provide an estimate before filing a claim. That way, you understand the scope and cost. Even minor claims can impact future rates, so having a professional assessment ensures you make informed decisions and protect your coverage.
Interviewer: Any final advice for homeowners dealing with insurance after damage?
All Dry Services of Southeast Jacksonville: Absolutely. First, know your policy inside and out. Second, remember that insurance companies prioritize minimizing costs, so you need a third-party advocate on your side. Finally, have an expert assess damages before filing a claim—even a zero-dollar claim can affect your rates in the future.