While some insurance plans cover mitigation services after a major disaster, other plans cover restoration services. It’s important you know exactly what these terms mean before a disaster strikes. You also need to know what kind of services you are entitled to. It’s even better if you understand these terms before purchasing your home’s insurance. Ask yourself two important questions when considering insurance policies. What’s the difference between water mitigation companies and regular restoration companies, and which is the better option?
What is Mitigation?
Mitigation companies aim to limit ongoing damage and prevent continued losses. These services include boarding up windows, applying tarps, ensuring structural stability, and extracting any remaining water. Keep in mind, however, that tarps and boarded windows only keep the elements at bay for so long before dirt, water, and pests creep through the gaps. While mitigation companies respond quickly, they only provide limited services. These services do not replace and repair damaged property, but simply ensure the disaster has no continuing consequences. Mitigation services usually provide temporary storage for removable possessions within the damaged property. Again, however, this step only prevents further damage to the property. Although mitigation services extract water after a flood, they rarely treat mold, a very common hazard after flooding. Mitigation services prevent further damage. However, they use temporary solutions, and they cannot restore damaged property.
What is Restoration?
Licensed restoration experts help property owners after mitigation, after effectively stopping all damage. Restoration is about rebuilding and repairing property damaged in a disaster. Water damage restoration, for instance, can replace floors and walls damaged by water, combat mold, and make a structure habitable again. Restoration cannot begin until after mitigation, however, and restoration services cannot immediately respond to a crisis. Besides, it’s pointless to begin replacing and repairing damaged property before removing damaging elements, such as standing water. Repairs can only begin after the damage has been stopped.
Which is Best?
Since mitigation and restoration represent two separate steps, it’s difficult to say if one is better than the other. Mitigation companies and traditional restoration companies cannot offer everything a damaged property needs without the other. Fortunately, some companies offer both services. Restoration companies often offer mitigation services. For example, licensed restoration experts may be able to drain water before starting water damage restoration, or cover broken windows before going to work. On the other hand, it’s much more difficult to find a mitigation service with licensed restoration experts
The best insurance plans cover both mitigation and restoration. These two services work best together. Companies that offer both services allow property owners peace of mind, and make it easier to get damaged property back to normal. Fortunately, at HCI we offer both mitigation and restoration services. Our licensed restoration experts work with you from the first day of mitigation to the final repair of a renovation. With HCI, you save time, worry, and the hassle of filing insurance paperwork.