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What To Do After a Fire in Your Home

Fire Damage – ^Fires destroy or damage everything in their path, regardless of the value of the item^. ^Your skilled Paul Davis team can accurately inspect the extent of your fire damage, repair your home, and clean your personal possessions^. ^Typically, fire damage is joined by by water used by firefighters. We will also clean up this water and treat those locations for mold^. ^It doesn't matter what the fire damage looks like; our goal is to help your property get back to normal^.



Smoke Damage – ^The flames are not the only thing that can damage a property^. ^Smoke is able to find its way into many areas in the home and cause varying degrees of smoke damage^. ^We'll determine the full scope of your smoke damage, remove odors, and purify the air^. ^Don't trust your smoke damage cleanup to just anyone; call the pros at your local Paul Davis franchise!^



What You'll Receive From Paul Davis



^Your local Paul Davis location is fully equipped with the fire and smoke restoration equipment to provide all the help you need following a fire^. ^No matter what has happened, you can depend on our team to offer quick and personalized service^. Find out more about fire damage restoration services greeley co by contacting us today!


Finding Fire Damage Restoration & Cleanup

Fire Damage – ^Fires obliterate all they can, no matter the value of the item^. ^The professionals at Paul Davis can offer several different fire damage cleanup services, such as repairs and contents cleaning^. ^That's not all. We also remove water used by firefighters and offer mold removal or remediation^. ^We strive to get a home back to normal quickly, no matter the extent of your fire damage^.



Smoke Damage – ^The flames of a fire are not the only thing that can damage a property^. ^Smoke is able to find its way into basically any area in the home and cause varying degrees of smoke damage^. ^We're able to locate all affected areas, eliminate odors, and sanitize your air^. ^If smoke damage happens in your home, call the team at your local Paul Davis.^



Why Paul Davis Restoration?



^Our team is dedicated to helping you restore your home from the fire and smoke damage you've dealt with^. ^Regardless of what has happened, you can depend on our team to provide prompt and personalized service^. To learn more about house fire damage restoration greeley co, please contact us today!


How to Recover From a Fire in Your Home

Fire Damage – ^From the structure of a home to all items found it, fires destroy basically anything that they can find^. ^From replacing belonging to restoring structural damage, your local Paul Davis can provide the fire damage services you need to recover from something like this^. ^We can also remove all water in your home and provide mold remediation for any affected area^. ^No matter how severe the damage is; our mission is to get the property back to its former condition^.



Smoke Damage – ^While most people are familiar with what the flames do in a fire, it's not the only type of damage associated with fires^. ^Smoke can find its way into many areas in a structure and wreak havoc in various forms^. ^Paul Davis trained cleanup specialists can pinpoint all areas where smoke has penetrated, remove odors, and sanitize the air in that area^. ^Are you dealing with the aftermath of smoke damage to your home? If so, now is the time to talk to Paul Davis!^



Why Paul Davis Restoration?



^Your local Paul Davis franchise is fully equipped with the smoke and fire restoration equipment to provide all the help you need after fire damage^. ^No matter what has happened, you can depend on our technicians to offer quick response and personalized attention^. Learn more about house fire damage restoration longmont co by contacting us today!


What To Do After a Fire

Fire Damage – ^Whatever lies in its way, a fire will damage or destroy it^. ^From repairing structural damage to contents cleaning, our Paul Davis can provide the fire damage restoration services you need to get over something like this^. ^Fire damage is usually accompanied by water used by firefighting crews. We'll also clean this water up and treat affected areas^. ^We want to get your home back to normal fast, regardless the damage^.



Smoke Damage – ^While the damage caused by the flames might be more well known, it's not the only kind of damage related to fires^. ^Smoke damage can happen just about anywhere-even in places that didn't burn^. ^We're able to find any affected area, eliminate odors, and purify the air^. ^Are you dealing with the effects of smoke damage to your home? If so, there is no time like the present to talk to your local Paul Davis franchise!^



Why Paul Davis Restoration?



^We're committed to restoring your home from the fire and smoke damage you have dealt with^. ^No matter what the situation may be, you can count on our technicians to offer quick response and personalized attention^. Please call us today to find out more about fire clean up services longmont co and how we can help you recover from a fire.


The Things You Need to Know About Subrogation

  • 2 14, 2019
  • |Law
  • No Comments

Subrogation is a concept that's understood in insurance and legal circles but often not by the policyholders they represent. Rather than leave it to the professionals, it is in your benefit to understand the steps of the process. The more knowledgeable you are, the more likely an insurance lawsuit will work out favorably.

Any insurance policy you own is a commitment that, if something bad happens to you, the insurer of the policy will make good without unreasonable delay. If a fire damages your home, for example, your property insurance agrees to compensate you or facilitate the repairs, subject to state property damage laws.

But since figuring out who is financially responsible for services or repairs is typically a heavily involved affair – and time spent waiting sometimes increases the damage to the policyholder – insurance companies in many cases opt to pay up front and assign blame afterward. They then need a way to get back the costs if, when all is said and done, they weren't actually responsible for the payout.

For Example

You go to the emergency room with a sliced-open finger. You give the nurse your health insurance card and he records your coverage information. You get stitches and your insurance company gets an invoice for the medical care. But on the following afternoon, when you get to your workplace – where the accident happened – your boss hands you workers compensation paperwork to fill out. Your employer's workers comp policy is in fact responsible for the payout, not your health insurance. The latter has an interest in recovering its costs somehow.

How Subrogation Works

This is where subrogation comes in. It is the method that an insurance company uses to claim payment when it pays out a claim that turned out not to be its responsibility. Some insurance firms have in-house property damage lawyers and personal injury attorneys, or a department dedicated to subrogation; others contract with a law firm. Normally, only you can sue for damages done to your person or property. But under subrogation law, your insurance company is extended some of your rights in exchange for having taken care of the damages. It can go after the money that was originally due to you, because it has covered the amount already.

Why Should I Care?

For starters, if your insurance policy stipulated a deductible, your insurance company wasn't the only one that had to pay. In a $10,000 accident with a $1,000 deductible, you have a stake in the outcome as well – to be precise, $1,000. If your insurer is timid on any subrogation case it might not win, it might choose to recoup its costs by boosting your premiums. On the other hand, if it has a knowledgeable legal team and pursues those cases enthusiastically, it is doing you a favor as well as itself. If all $10,000 is recovered, you will get your full $1,000 deductible back. If it recovers half (for instance, in a case where you are found 50 percent responsible), you'll typically get half your deductible back, based on the laws in most states.

Furthermore, if the total price of an accident is over your maximum coverage amount, you could be in for a stiff bill. If your insurance company or its property damage lawyers, such as injury attorney glen burnie, md, successfully press a subrogation case, it will recover your losses as well as its own.

All insurance agencies are not the same. When comparing, it's worth examining the records of competing companies to evaluate whether they pursue valid subrogation claims; if they do so without delay; if they keep their policyholders advised as the case continues; and if they then process successfully won reimbursements right away so that you can get your funding back and move on with your life. If, instead, an insurer has a record of honoring claims that aren't its responsibility and then covering its bottom line by raising your premiums, you should keep looking.


Floods & Other Kinds of Water Damage

Water is such a valuable part of our daily lives, as we utilize it in our homes to cook, clean, and maintain our quality of life. This valuable resource can turn against us if water damage occurs in the home. It is basically impossible to anticipate water damage because it could occur for several different reasons. These include flood damage from broken pipes, overflowing dishwashers, or a natural disaster. Depending on the source of the issue, water damage can range from being a small problem contained in one room to a large flood-damage disaster throughout your entire house. If this happens to you, restoration and cleanup needs to happen right away. A restoration company like Paul Davis can give that to you. We are here to assist you with emergency flood restoration Littleton CO. Let us tell you how we can make that happen.

Your Local Flood Damage Cleanup Specialists

Paul Davis is an experienced water damage restoration company offering timely services in places across the country. This includes extraction and removal of damaged property, contents cleaning, mold remediation, repairs, insurance claim assistance, and drying out wet areas. When you contact us, you can expect quick service from experienced professionals. This is is invaluable as you try to get your home organized as quickly as you can.

Why is Paul Davis the best place to call to help with water damage? We have more than 45 years of experience in the water damage restoration industry and have helped restore over 2 million homes nationwide. Our trained teams are able to quickly treat any problem by using the most effective tools available. It's simple to find a Paul Davis location wherever you reside because there are franchises all across the United States. Find your local franchise today so you know exactly who to contact if you're ever confronted with the need for water damage restoration in your home.


What You Need to Know About Subrogation

Subrogation is a concept that's well-known in legal and insurance circles but rarely by the people they represent. Even if you've never heard the word before, it would be in your self-interest to know an overview of how it works. The more information you have about it, the more likely it is that relevant proceedings will work out in your favor.

Every insurance policy you hold is a promise that, if something bad happens to you, the company that covers the policy will make good in a timely manner. If a hailstorm damages your home, your property insurance steps in to repay you or pay for the repairs, subject to state property damage laws.

But since ascertaining who is financially accountable for services or repairs is sometimes a confusing affair – and delay sometimes compounds the damage to the policyholder – insurance companies in many cases opt to pay up front and figure out the blame afterward. They then need a way to recover the costs if, ultimately, they weren't responsible for the expense.

For Example

You are in an auto accident. Another car ran into yours. The police show up to assess the situation, you exchange insurance information, and you go on your way. You have comprehensive insurance that pays for the repairs right away. Later police tell the insurance companies that the other driver was to blame and her insurance should have paid for the repair of your auto. How does your insurance company get its funds back?

How Does Subrogation Work?

This is where subrogation comes in. It is the process that an insurance company uses to claim payment after it has paid for something that should have been paid by some other entity. Some insurance firms have in-house property damage lawyers and personal injury attorneys, or a department dedicated to subrogation; others contract with a law firm. Under ordinary circumstances, only you can sue for damages done to your person or property. But under subrogation law, your insurer is considered to have some of your rights in exchange for having taken care of the damages. It can go after the money that was originally due to you, because it has covered the amount already.

How Does This Affect Me?

For starters, if you have a deductible, your insurer wasn't the only one who had to pay. In a $10,000 accident with a $1,000 deductible, you have a stake in the outcome as well – namely, $1,000. If your insurer is lax about bringing subrogation cases to court, it might choose to recover its costs by upping your premiums. On the other hand, if it knows which cases it is owed and goes after those cases efficiently, it is acting both in its own interests and in yours. If all of the money is recovered, you will get your full $1,000 deductible back. If it recovers half (for instance, in a case where you are found one-half accountable), you'll typically get $500 back, depending on your state laws.

Moreover, if the total cost of an accident is over your maximum coverage amount, you may have had to pay the difference. If your insurance company or its property damage lawyers, such as auto accident attorney pasadena md, pursue subrogation and succeeds, it will recover your losses in addition to its own.

All insurers are not created equal. When comparing, it's worth contrasting the records of competing firms to find out whether they pursue legitimate subrogation claims; if they resolve those claims in a reasonable amount of time; if they keep their policyholders informed as the case goes on; and if they then process successfully won reimbursements right away so that you can get your funding back and move on with your life. If, instead, an insurer has a record of paying out claims that aren't its responsibility and then protecting its bottom line by raising your premiums, you'll feel the sting later.