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WHAT HAPPENS NOW?
PHASE 1 EMERGENCY
CRITICAL ACTIONS: Respond to the emergency situation and work to mitigate damage as quickly as possible. Open a claim with your insurance provider.
DESCRIPTION: The first stage in a fire, flood/sewer back up, or storm damage clean up is referred to as "the emergency." This is the stage whereby the source of the damage is eliminated and/or corrected and the structure and contents are returned to a safe and dry state. The insurance industry commonly refers to the event that caused the damage as " the loss."
PHASE 2 ADMINISTRATION
CRITICAL ACTIONS: Asses the full extent of the damages, fully documented the loss and select a contractor to perform repair work.
DESCRIPTION: When the structure is dry and safe, the emergency stage is over. At this time, the loss moves into the administration phase, where the immediate hazards have been handled and the structure has been re-established to a safe and dry condition, but BEFORE ant repairs are made to the property.
PHASE 3 RECONSTRUCTION
CRITICAL ACTIONS: Return the property to pre-loss conditions.
DESCRIPTION: The rebuild or reconstruct phase is the process by which the property is restored to its '"pre-loss condition." In this phase, you will work with the disaster restoration company you selected to facilitaterepairs to the property.
If your claim is accepted and approved, usally all invoices for work performed are sent directly to the insurer for payment.
The insurer will either pay the contractor directly or at times issue a co-payable cheque that will require a signature from the property owner to release payment to the contractor. In most cases, you are also responsible for payment of the policy deductible.