Who's Knocking At Your Door
After a flood disaster, expect multiple visitors who will want to help you recover. No matter who’s knocking, always ask for identification and the purpose of the visit. Never give out personal information such as your Social Security or bank account number. Government officials will never ask for money and you should never pay for their service.
If you apply for federal disaster assistance, a FEMA inspector may call and visit to assess your property damage. They will have a FEMA ID badge.
- Local Building, Permitting, & Government Official
Officials inspect damaged buildings to determine if they can be occupied. If they have damage, officials (state/county/local) may visit to gather damage data in the weeks and months after an event to inspect and collect information. They should have an ID badge from their agency.
- Homeowners Insurance Adjuster
If you file a claim with your homeowners insurance, a homeowners insurance adjuster will call and visit to assess non-flood damage. They should have a state-issued agency license or ID.
- Flood Insurance Adjuster
If you have filed an NFIP policy claim, you will receive a call and a visit from a flood insurance adjuster. They will collect information, take photos, and help fill out claims paperwork. They will have a Flood Adjuster Certification Card and picture ID.
- Public Adjusters
Third-party certified public adjusters may offer help to inspect damaged homes and help you file claims for insurance, grants, and loans, but be cautious. There is usually a fee of 10% to 30% of your total settlement. Be sure to ask for credentials.
- Contractors and Other Repairers
Be cautious if a contractor or other repair professional approaches you directly and unsolicited. Ask for IDs, licenses, proof of insurance, and references. Do not pay for all repairs up front, though legitimate contractors may request a percentage of their fees to begin work. Obtain a contract with both labor and cost estimates.
No fees should be charged for the inspections performed by government or NFIP representatives. Social Security and bank account numbers are never required by inspectors or adjusters. Always safeguard your personal information, and when in doubt, don’t give out information.
The OTHER category is where you need to be cautious and to make sure that you are dealing with a reputable company/business. Perform your due diligence and do not provide personal information unless you are absolutely certain that it will be safe and secure.
SERVPRO has been in business since 1967 and has a stellar reputation for serving their customers with honesty and integrity. SERVPRO will make it "Like it never even happened."
SERVPRO of Derry/Londonderry is an IICRC certified water and fire damage restoration company.