As a homeowner, you know that there are many scenarios that can leave you with a damp mess to contend with, from leaks and malfunctioning appliances to storm damage and burst pipes. One of the primary concerns and responsibilities in these water-related emergencies is mitigation, a temporary step to clean, dry, and secure property that has been affected by water damage. And in many cases, it is necessary to hire an expert water mitigation contractor to help prevent further damage to your property.
In these stressful emergency situations, it is easy to get taken advantage of by questionable contractors who do not have your best interest at heart when offering to simply get the job done as quickly as possible. That's why it's important for homeowners to know how to spot and fight against fraud when using an emergency service such as a water mitigation contractor.
Keep the following tips in mind when interacting with your contractors so that you're equipped to combat questionable practices and ensure a smooth process in mitigating damage to your property - saving you both time and money in the long run.
Keen observation and thorough documentation on the work contractors are performing is key to identifying potential fraud or questionable practices, while also giving you the necessary tools to fight back in case fraud does occur.
Familiarizing yourself with the equipment that water mitigation contractors commonly use can help you identify if your contractor is taking the necessary steps to mitigate damage and whether you are being billed appropriately. Examples include:
Being aware of common and trending scams can help you identify suspicious behaviors before they result in wasted time and money. Inform your adjuster immediately if you have concerns about your contractor. Here's what to look for:
There's no doubt that experiencing water damage to your property can be a stressful event. Your adjuster is a valuable resource to answer questions and assist you in determining if contractor work is appropriate for your claim. Don't let potential fraud cause any more headaches by being prepared and vigilant.
You can report insurance fraud suspicions to the National Insurance Crime Bureau, a non-profit organization that partners with insurance companies and law enforcement agencies to help identify, detect, and prosecute insurance criminals: 800-835-6422. Or you can anonymously report your insurance fraud suspicions to Stillwater directly. Our Stillwater Fraud Hotline is 866-877-3697 or via email at firstname.lastname@example.org.
How to purchase a Homeowners policy from Stillwater: