How long should it take a home insurance company to pay an water damage restoration company for emergency service?

  • by Eddi
  • Oct 08,2018
  • 6 answers

How long should it take my home insurance company to pay a water damage restoration company for 5 days of emergency service in late August? The invoice for clean up and tear down (which is apparently justified) is $15,000 and was sent to the insurance company for a kitchen flood immediately after the work was performed. It has not yet been paid. I have not paid anything -- they were hired on an assignment of benefits, and I had to bring them in immediately to clean up the water. I had to do so according to my insurance policy to "secure the property". I now have a larger restoration claim that I am in negotiation for repairs with the insurance company that is not yet settled. I have not begun any of the repair work. Is this emergency service paid separately? The restoration company has not yet sent me a direct bill. Do I need to start being proactive?


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Insurance Answers (6)

Jessy last week

Having seen this many, many times...they will get paid. I wouldn't worry...

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mbrcatz last week

It's borderline late. The question is, why? Have you spoken to the adjuster? The standard homeowners policy includes costs to secure the property from further damage, but ONLY IF the damage was caused by a covered peril, and the charges are "reasonable". This does not usually increase the total limit of coverage. So the obvious questions are: 1. what was the cause of the loss, and is this a covered peril under your policy? 2. Are you insured to value, or do you have a coinsurance penalty? 3. Has the restoration company turned in all the required paperwork to the claims adjuster? 4. Are the total of damages in excess of your deductible?
Those are the questions I'd start with. It's not unusual for it to go 2 - 4 months, just getting the proper paperwork in to the adjuster. Call your agent, to check the status of this claim.

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lucy last week

I had a house fire back in 1995 which only had fire damages in 1 bedroom and part of the roof, but the major problem we had was smoke damages that caused the entire house in the inside to be stripped bare. The restoration company was there the next morning, thus they took everything, like clothing, furniture etc to a place that they tried to (remove) the smoke damages.
The key with a restoration company being a flood or fire, wants to (save) as much, thus insurance saves money on not paying for claims that they can save due to their restoration. A good restoration company knows that the insurance will pay them, be it 30 days or more, (unless) insurance disputes your claim, then you, since as the owner had to sign to have the restoration company to try and mitigate your damages.
For the time being don't worry if they pay them or not, since if insurance disputes, then they will have to send you a denial letter of the reasons of (why) they dispute your claim, then at that time the restoration company will be after you to pay the bill.
You are getting ahead of yourself, vs just focus on your claim with the insurance and my guess they will settle with you and if not, then since you have hired an independent adjuster whose job is to make sure your claim is paid and if not, then to fight for you.
good luck

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Abel 2 weeks ago

why pay them???
you'll save much more

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A Hunch 2 weeks ago

You have told us the date of service.
What is the date of invoicing? A payment at 30-60 days would not be uncommon.

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Casey Y 2 weeks ago

Less than 60 days...not surprising at all.
If the restoration company isn't breathing down your neck...why care? Assuming you have the correct coverage (probably not actually a flood in your kitchen...just saying), this emergency service will be covered.
Having seen this many, many times...they will get paid. I wouldn't worry...

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