Disaster Restoration Info from Complete DKI

With years of experience in disaster restoration, Complete DKI is a leading restoration contractor for Pensacola, Gulf Shores, Gulf Breeze, Mobile and surrounding area. Call our 24-hour emergency response line to get help now!
Posted on March 17th, 2017 by completedki

Water Damage Pensacola

 

Water damage in Pensacola is an everyday occurrence, and it happens more often than not. Questions you might be asking yourself is “What is water damage exactly? “ . Water damage is a large number of possible occasions that can happen when water leaks, or burst causing a flooding in the house. For instance, the toilet on the second floor can overflow in the middle of the night causing water to pour all over the bathroom floor. The water will then spread into the carpet on the hallway and continue to spread throughout the floor until the source is stopped. It can soak into the walls as well. With it being on the second story, the water has a chance of soaking through the floor and flooding the story below it. Leaking roofs, busted pipes, broken dishwasher hoses, overflowing washing machines are all different causes of water damage.

 

If you experience water damage in your home, time is of the essence. You need to get it removed as soon as possible. To restore your home  If the water sits, it will start destroying material. It will rot wood, start to grow mold, rust metal and so much more. Moisture promotes the growth of mold and other organisms. The faster you act when there is water damage, the better chance you have of saving materials that have been damaged in your home. Complete DKI specializes in the mitigating the effects of water. We have a trained staff of certified employees ready to help in situations like this. Complete DKI uses the highest quality equipment, and well documented procedures to control the water damage.

 

 

Complete DKI’s staff will extract the water from the carpet, tile, hardwood floors, and so on. We take moisture readings and pictures in every room effected by the damage and we document everything. Once the water has been extracted we will start the drying process. The staff will set up high quality dehumidifiers and fans to dry out everything that has been effected. There are several different categories of water damage that include :

Category 1 – This is clean water, or water that does not pose a hazard to humans. This type of water usually comes from a sink overflow or broken appliance pipe.

Category 2 – This water is also called ‘gray water’. This water is contaminated and may cause sickness if ingested. Broken toilets or seepage may cause this type.

Category 3 – This water is known as ‘black water’ and is unsanitary. This contains bacteria and other organisms that cause sickness. Sewage problems and contaminated still water can cause this.

 

If a Category 3 water loss occurs, everything must be removed. Which means, whatever the water has come in contact with or has soaked into, has to be taken or cut out, such as walls, floors, shelves, ductwork and more. If you or someone you know experiences water damage in Pensacola, call Complete DKI at our Florida location at (850)-225-5354. Our staff is on call 24/7 always ready to help.

 

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Posted on March 16th, 2017 by completedki


Assignment of Benefits VS Direction to Pay

 

Assignment of benefits (AOB) allows the contractor to stand in the shoes of the homeowner for insurance collection purposes. This legal arrangement allows unscrupulous contractors to over inflate or submit improper claims, causing legal battles between the contractor and the insurance company, with the consumer left out of the picture. It gives all the rights provided to the homeowner in the insurance policy to the contractor. AOB is commonly used when a homeowner experiences a water loss, suck as a leaking pipe, or an overflow from a sink. Complete DKI does not use Assignment of Benefits.

 

 

You also have Direction to Pay, which gives the insurance carrier permission to put Complete DKI’s name on the check. Property Restoration is one of the only industries that all the work is preformed before any money is paid to the contractor. A direction to pay allows the insurance company to include Complete DKI on the payment. This helps insure that Complete DKI is paid for the work performed.

 

 

If you or someone you know experience a damaged pipe, or overflow of a toilet, call Complete DKI first. Complete DKI has a call before you claim program that encourages you to call us before you make your claim. By doing this, it can reduce your claims ratio by knowing the severity of the loss. Contact Complete DKI to evaluate the loss, and we will also advise homeowners on steps to take to prevent further damage. Complete DKI also does a loss follow up, we will contact you with details of the loss and pictures. If you or someone you know experiences water, fire, wind, or mold damage, call Complete DKI at 850-225-5354. Our uniformed, trained staff of 40 employees are willing to help 24/7.

 

 

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Posted on March 1st, 2017 by completedki

 

Homeowner Declarations Page

A homeowner’s declarations page is the portion of a homeowner’s insurance policy that outlines the amount coverage, the names of those insured, the property’s location, lienholders information, and the yearly premium amount. The page is typically in an easy to read format and includes the name of the insurance company.

 

Who” – Gives the name and address of the insured. Also shows who your agent is and includes their contact information, such as address and phone number.

What” – Provides the policy number and the policy period.

Where and Who” – Indicates where the property is located. Includes name and address about the mortgagees or other parties that have an additional interest in the property.

Which” – Outlines the coverage and deductible for dwelling, other structures, personal property, additional living expense, and liability.

What” – Lists what discounts have been applied to your premium.

 

How to Read Your Homeowners Policy Declarations Page CHECK THE FOLLOWING AREAS:

1. Named Insured: Owner or owners of the dwelling being insured.

2. Your Agent: Contact information for the agent with whom you placed the insurance.

3. Policy Period: The date your coverage begins and the date your coverage ends. This is typically a 12-month period.

4. Location of the Property: Indicates the street number, name, city and state the property is located in.

5. Premium: Total annual premium for all coverage(s) including endorsements.

6. Dwelling Protection: Coverage A: the structure of the home and any attached buildings.

7. Other Structures: Coverage B: Structures not attached to or part of the home, covered up to 10% of the home structure.

8. Personal Property: Coverage C: Contents or personal property in the home. Coverage of up to 10% applies to contents away from the home. Generally, coverage equals 50% of dwelling coverage.

9. Additional Living Expense: Coverage D: Coverage if the insured’s home has a covered loss and they must seek temporary lodging. Typically, coverage is 10-20% of dwelling coverage.

10.Personal Liability: Coverage E: Coverage in the event a law suit is brought against the insured or resident relative, because of bodily injury or property damage resulting from acts of the insured. Also includes coverage for legal defense.

11.Medical Payments: Coverage F: Coverage for reimbursement of reasonable medical expenses incurred by a third party who is injured on the insured premise as a result of activities of the insured.

12. Discounts: This shows discounts that are being applied to your account such as multi-policy discount, burglar alarm, and being claim free.

13. Forms and Endorsements: Booklet that describes policy and amendments that add, remove, or otherwise change the standard coverage.

14. Additional Interest: This lists the name and address of the Mortgagee or other parties that have a legal right or interest as a creditor.

 

Your mortgage company will typically require you to provide an up-to-date declarations page for proof of your homeowner’s insurance about once a year to ensure you have adequate financial protection for your house. If you don’t provide this proof of insurance, your lender has the right to purchase homeowners insurance in your name and add the premium to your mortgage payments (aka “force-placed insurance”). This kind of policy is generally much more expensive than your standard home policy, and often, the coverage isn’t as comprehensive either, another good reason to never let your homeowners insurance lapse. If you or anyone you know has any questions, please feel free to contact Complete DKI at 850-225-5354 or our Alabama office at 251-255-5354.

 

 

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