insurance objections
“I don’t want to deal with insurance.”
I understand. We actually have a team of experts that will facilitate the claim by filing, engaging with the adjuster to provide all photos and documentation they need and then invoice them directly. We want to make this part as easy as possible for you.
When does support center start filing a claim and submitting items to adjuster?
While crew is working
“I need to call insurance.”
Let us handle that for you. We have a team of experts that speaks the same language as the assigned adjuster and knows exactly what they need to settle the claim.
What are your concerns so I can help address them?
During this hard time, we like to help by working with the insurance directly. We will communicate and provide any information during the process
ATP
What is it and what does it do?
Adenosine Triphosphate
ATP gives energy to living cells (bacteria and viruses)
test the presence before and after
removing is getting rid of it completely
remediate is a surface wipe/cleaning
"I don’t want my rates to go up.”
I understand. In our experience, a claim such as this is considered a one time claim in which we do not see insurance premiums raised. Its not like an accident claim with your car or a natural disaster where everyone is filing a claim in your area and insurance has to find some way to get back the money they are having to pay out for multiple claims.
When does the adjuster or crew help customers set up an estimate for restoration if needed?
After our work is complete
“I want to make sure this is covered before you start.”
disinfection
What disinfectant do we use?
What is the cure time?
ProKure V
10 minutes
porous vs non-porous surfaces
give example
porous non-porous
fabric counter tops
unsealed cement/grout sealed concrete/grout
untreated/sealed wood storage containers
carpet laminate flooring (intact)
mattress bedframe
“I can’t afford my deductible.”
I understand. We can offer you a service credit to help. This will go towards any remaining out of pocket payment you have with Aftermath.”
I understand. To help you we offer payment plan options to pay the deductible over time interest free
Cannot legally cover a deductible
Approval from PM for the amount of the SC
for our info only*
Why is the claim filed once BR is complete?
to maintain control of the claim. We have found that if we file too early, an adjuster may get involved and try to scare the customer into using a preferred vendor that will be cheaper. We however need to make sure the claim is filed timely to start engagement and not delay payment.
“I need to hear from insurance that it is covered before you start.”
I understand. However, an assigned adjuster to the claim is the only one who can officially confirm or deny coverage. Typically, an adjuster isn’t assigned until 24-48 hours after a claim is filed and then we are on their time frame. Based on our experience with this carrier, we do not have any concerns moving forward and only asking for the deductible out of pocket. Let us at least provide a surface wipe to ensure no further damage to the property.
handle insurance
What info. do we need to give PMs to verify insurance is active?
What is the best info. we can find for the PM?
name on policy
date of birth
phone number
policy number and company
DECLARIATION PAGE!!
sanitze vs disinfect
sanitizing kills bacteria on surfaces
disinfecting kills bacteria and viruses on surfaces
"My agent said it wasn’t covered.”
An agent only sells the policy. They are not legally able to determine coverage. The only person that can officially confirm coverage is the assigned adjuster to the claim.
What is Steering?
If clients do not choose their preferred vendor, insurance cannot deny the claim or change any status of the claim based on what contractor you choose.
(scaring the client into using their preferred vendor)
“What if insurance won’t pay this amount.”
We utilize universally accepted pricing and negotiate the claim to come to a reasonable settlement for both insurance as well as Aftermath. We do not balance bill for anything under our estimate that is settled upon.
financing
how long can we offer a payment plan?
our payment plan is in-house with NO INTREST for up to 6 months.
OPIM
other potential infectious matarials
What type of homeowner insurance policies are there? which one is the best/favorite?
HO-3 Special Form: The most popular; covers the dwelling for all perils (except exclusions like floods/earthquakes) and personal property for named perils (like HO-2).
HO-5 Comprehensive Form: The best coverage, offering open-peril (all-risk) protection for both the dwelling and personal property. *****
Does insurance asking for documentation proving executorship stop us from starting services?
This does NOT slow down our ability to provide services. It can slow down how quickly the claim is settled and we get paid but we are well aware and prepared to wait until proper paperwork is obtained to collect. We understand the process and to prevent any further damage we should always start right away. We should try and stay away from waiting for executorship as sometimes the process can take months and sometimes years to settle.
" I need to submit to my manager for approval"
Can I speak to your manager before you submit it? I can explain what the estimate all includes and answer any questions they may have.
COT
what is this?
what is included in this?
Certificate of Treatment
What scope of service we provided. BS or BH only
If declinations are involved it doesn't include what was declined.
EPA
What is one way we are associated with this?
Environmental Protection Agency
Bioboxes