When disaster strikes whether it’s water damage, fire, or mold, the last thing you want is to be scrambling to find your insurance details. At RestoPros of Hudson County, we’ve seen firsthand how being prepared can save time, reduce stress, and get the restoration process moving faster.
Here’s a breakdown of the key insurance information you should have on hand in the event of a property emergency.
Essential Insurance Information to Keep Accessible
1. Policy Number
Your homeowner’s or renter’s insurance policy number is the fastest way for restoration companies and adjusters to identify your coverage. Write it down or keep a digital copy handy.
2. Insurance Carrier Contact Information
Include:
-
Name of your insurance company
-
Phone number for claims
-
Website or online claims portal
-
Name and contact info for your assigned adjuster (if applicable)
3. Coverage Details
It’s helpful to know the basics of what your policy covers. Common areas related to restoration include:
-
Water damage (note if flood coverage is separate)
-
Mold remediation
-
Fire/smoke damage
-
Temporary housing or “loss of use” coverage
You don’t need every detail memorized but being aware of your deductible and what type of water damage is or isn’t covered helps avoid surprises.
4. Preferred Vendors or Requirements
Some insurance companies have preferred vendors or require pre-approval before mitigation work begins. Knowing this ahead of time can prevent billing issues or delays.
5. Authorization of Payment
If you’re working with a company like RestoPros, it’s important to confirm:
-
Whether payment will be made directly to the contractor
-
If your insurance company requires your signature to release funds
-
That the restoration company is listed as a payee (if applicable)
Tip: Keep a signed copy of your Work Authorization handy in case your adjuster requests proof of service approval.
Where Should You Store This Information?
-
Digital Folder: Save documents to a cloud drive (Google Drive, Dropbox, iCloud) for access anywhere, even if your home is damaged.
-
Printed Copy: Keep a printed version in a waterproof folder near your emergency kit.
-
Share with a Trusted Contact: A spouse, family member, or property manager should also have access in case you’re unavailable.
Why It Matters
During a crisis, time matters. Having your insurance info ready helps:
-
Start the mitigation process faster
-
Prevent delays with your claim
-
Ensure documentation is submitted promptly
-
Avoid out-of-pocket costs due to claim denials or miscommunication
Bonus Tip: Keep a Claim Log
Start a running list of:
-
Who you spoke to (insurance, restoration company, contractors)
-
Dates/times of communication
-
What was said or agreed upon
It’s simple but can be incredibly valuable if you need to refer back to anything.
Need Help Navigating a Claim?
RestoPros of Hudson County works with all major insurance carriers and can help guide you through the process from start to finish. From documentation to mitigation, we’re here to restore your home and your peace of mind.
