19405 – Royal Water / Flood / Sewage Damage Restoration

Royal Water Damage – A Rating on Angies List

admin — Tue, 06 Aug 2013 13:47:02 +0000

215-657-2244

ANGIES LIST INFORMATION ——–

Contact: All Calls Answered Live by, Office Staff or Technician

Business Description: OVERALL RATING : Grade, A

LATEST ANGIES LIST REVIEWS:

May. 2013 – Gertrude – Philadelphia, Pa. – He came out too look at water damage. He was honest, nice and on time. He told me I needed someone to do home remodeling.

Feb. 2013 – Lois – Warminster, Pa. – Provided water remediation. took out wet flooring, carpeting, drywall and placed fans to dry out. then applied disinfectant. very responsive. had estimator out in am and by 12 noon the workers were here to start work. follow up for return exactly as scheduled. received a phone call after every visit to be sure every thing went well. i would definitely use them again. not sure of price because insurance paid them directly. Very pleased

Jan. 2013 – Stas – Warrington, Pa. They cleaned up a flooded basement and did a excellent job. They are very experienced in there field and it shows.

Apr. 2012 – Jessica – Bensalem, Pa. The entire staff at Royal…The women in the office, the estimators and the production staff were extremely professional, kind, helpful and reassuring, that I did not need to worry and they would take care of everything…and they did! P/S – I let everyone at Allstate (my agent, my adjuster + his boss and customer service) know what a wonderful job everyone from Royal did. That they should consider making Royal a “preferred vendor” for Allstate.

Feb. 2012 – Bonnie – Norristown, Pa. Outstanding – Thank You!

Dec. 2011 – Marguerite – Blue Bell, Pa. – Excellent Service-would Recommend Highly.

Nov. 2011 – Jessie – Philadelphia, Pa. It went well from start to finish.

SERVICE:

Royal Water Damage Restoration is an exclusive emergency service restoration company offering a 45 minute response time to assist you in your time of need 24 hours a day, 7 days a week. Certified restoration experts provide thorough no-obligation inspections and our non-invasive drying techniques shorten the restoration process, effectively minimizing secondary damages for residential and commercial properties. We are proud to be recognized and recommended as approved vendors among national insurance companies creating a more pleasant working environment with their policy holders. When an emergency happens, time is of the essence. Call for a free emergency consultation giving you the peace of mind you need.

215-657-2244 ANYTIME – ANY DAY – FREE ESTIMATES

In Business Since: 2005

Service Area: South Eastern Pennsylvania: Bucks, Montgomery, Philadelphia, Delaware and Chester Counties.

On Angie’s List Since: 3/4/2011

Warranties: YES

Free Estimates: Yes

Office Hours: Mon 12.00 AM – 12.00 AM, Tue 12.00 AM – 12.00 AM, Wed 12.00 AM – 12.00 AM, Thu 12.00 AM – 12.00 AM, Fri 12.00 AM – 12.00 AM, Sat 12.00 AM – 12.00 AM, Sun 12.00 AM – 12.00 AM

Features: Emergency Service

Licensed: Yes, we are appropriately licensed for my trade.
(All statements concerning insurance, licenses, and bonds are informational only, and are self-reported. Since insurance, licenses and bonds can expire and can be cancelled, homeowners should always check such information for themselves.)

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What Is Subrogation? And how it matters to you.

admin — Tue, 07 May 2013 14:17:02 +0000

Subrogation refers to the process an insurance company uses to seek reimbursement from the responsible party for a claim it has already paid.

Subrogation matters to you if:

You have a covered loss, and
You submit a claim to your insurance company, but
Another party is actually responsible for all or part of the damages (i.e. you have a car accident and the other driver caused the accident, or if damage to your home was caused by a faulty appliance)

In this case, your insurance company may pay your claim, and then seek reimbursement from the other party. This would depend on the circumstances surrounding the loss, the laws in your state, and your policy provisions.

If your company decides to pursue subrogation, the company will work to recover the damages from the responsible party. Damages may involve costs paid by you and the insurance company. Costs paid by you usually means your deductible, but could include amounts over your policy limits not paid by your insurance company. This would depend on the laws in your state and the specific circumstances surrounding the loss.

The subrogation process may also be used if you are at fault for damages. In this case, the other party and/or their insurance company would make a claim against you, usually directly to your insurance company. Your company will review the facts of investigation to determine if you are liable for the damages. Your company may make payment to the other company if you have coverage and it is determined that you would be legally responsible for all or part of the damages. Keep in mind that often times liability is not clear cut. In some cases, both parties may be partially responsible. Dependent on the laws in your state, both parties may share responsibility for payment of damages. For example, one party may be 40% responsible, and the other party may be 60% responsible. This could mean that both companies make subrogation claims against each other, and each company pays their respective portion of the other party’s claim.

In all cases, your participation and cooperation with us in the investigation phase of the claim process is important. Your assistance can help to establish important facts, and preserve evidence, and may help to accelerate the recovery process.

Reimbursement When Money is Recovered

If money is recovered, and part of the recovered amount was paid by you, (you paid your deductible, for example, but it was the other party’s fault) a reimbursement check will be issued. The reimbursement check is usually issued when money is received. Please note that practices vary based on the specific laws for your state.

The amount to be reimbursed is based on the amount claimed and the amount recovered. The amount claimed through subrogation depends on the amount each party was at fault. The amount recovered usually is divided proportionally between the insurance company and the insured, after expenses. This could vary based on the laws in your state.

How Reimbursement Amounts are Calculated

Dependent on the laws in your state, you may be fully reimbursed for your deductible if:

The other party was 100% at fault
The other party paid the damages claimed in full
There were no collection expenses (i.e. collection agency) to recover the money.

Often times though, it is not that simple. Based on the different factors that come into play, the calculation of the reimbursement amount can become quite complicated. The reimbursement of your deductible depends on several factors, including the amount recovered, the amount claimed (based on the amount the various parties were at fault), and state laws.

Generally, you would receive reimbursement of your deductible equal to your proportion of the total amount claimed to the total amount recovered, net of expenses. However, precisely how the reimbursement amount is determined varies by state.

These examples outline general rules that apply in many states—please discuss the specifics of your case with your subrogation claim representative.

Example 1: Other party is 100% liable, but only paid part of the amount

The total amount of damages paid is $10,000. The other party was 100% responsible for the damages. Subrogation claim is for $10,000.

You paid $1,000 and your insurance company paid $9,000.
Your proportion is 1/10 or 10% of the total amount claimed—$1,000.
The amount actually collected is $5,000. There were no collection expenses.
You are reimbursed for $500, or 10% of the amount collected.
Your insurance company is reimbursed for $4,500.

Example 2: Other party is partially liable; only paid part of the amount

The total amount of damages paid is $1000. The other party was 60% responsible for the damages. Subrogation claim is for $6,000.

You paid $1,000 and your insurance company paid $9,000.
Your proportion is 1/10 or 10% of the total amount claimed—$600.
The amount actually collected is $3,000. There were no collection expenses.
You are reimbursed for $300, or 10% of the amount collected.
Your insurance company is reimbursed for $2,700.

Questions? Your Claims Representative Can Help.

Subrogation can be complex and non-intuitive. If you have questions, please let your claims representative know.

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Cost of Water Damage Repair and Restoration, Water Extraction and Flood Cleanup: Pay or File a Claim?

admin — Fri, 25 Jan 2013 19:09:54 +0000

www.royalwaterdamage.com

How do I know the true cost of water extraction, flood water cleanup, damage repair, or even file a claim? How would I know what proper tools to get the work completed on my own? Here are 5 questions to ask yourself before you go to the hardware store or even have your neighbor come to do the flood cleanup for you at a discounted rate.

Q: Do you know if the claim is covered?

A: Coverage of water damage depends on the insurance company, but most insurance carriers do not cover water damage that enters the home subsurface. Usually there is coverage if the water comes from the home plumbing system and does not enter the home through the foundation. Most water damage repair is covered if it originates from a broken pipe or a leak in the plumbing.

Q: What is the amount of your deductable?

A: Call your Insurance agent. Find out what your flood damage insurance deductible is. This is the part of the flood damage repairs that you will be responsible to pay. If the water damage is small, the cost may not be more than the deductible and you will not need to file a claim.

Q: Who can you call for an estimate of the flood cleanup, repair, restoration of the damage the water has made in your beautiful home?

A: Royal Water Damage will give you a free estimate for your flood cleanup, water damage repair. Most disaster restoration companies charge by square foot for each service needed to clean up your water damage. There are standard prices that are accepted by the insurance companies. At Royal Water Damage we guarantee to match the insurance company’s estimate so you have no out of pocket expenses for the cleanup of your flood restoration.

Q: Do you have the proper tools to get the work done yourself?

A: Sometimes there are small floods in your home that you can handle yourself. If at any time you are not sure that you can handle it give us a call 215-657-2444 and we will be there with all the proper equipment. We can give you a free estimate and scope of work that can assist you in making that decision.

Q: How soon can a disaster cleanup restoration company be at my home to help me with the water damage?

A: Our Certified Technicians will be at your home within 45 minutes. We know how important it is to get the water off your floors and furniture. It can cause some serious damage if left sitting.

Standard flood damage cleanup includes the following:

● Water extraction

● Wet Pad remova

● Pull up wet carpet

● Treat area with disinfectant

● Set carpet dryers

● Set dehumidifiers

As you have read. It all depends on how comfortable you feel about doing the cleanup yourself versus getting someone else to come into your house doing all the work for you. We are the professionals and know what it takes to make things easy on you and your family. Visit us at www.royalwaterdamage.com.

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Water damage in your home? Actions to take.

admin — Mon, 14 Jan 2013 14:20:13 +0000

Actions You Can Take

Shut Down Affected Utilities

Water Source: Stop the source of the water. Turn off your outside water main, or call a plumber or other qualified tradesman to stop the source of water flow. Contact your local utilities department if you can’t find how to turn off the water main.
Electrical: Disconnect all power to affected areas. Do not operate your TVs or other electrical appliances while standing on wet carpets or floors (especially if concrete). Do not use your household vacuum cleaner to remove water.

Remove as Much Standing Water as Possible

Floors: Remove as much standing water as possible by squeegee, mopping or blotting.
Carpeting: Blot wet carpet with clean white towels. Remove Oriental rugs or other colored rugs from wet wall-to-wall carpet. Place a fan so air flows over the carpet, speeding the drying process.
Ceilings: Punch small holes in sagging ceilings to relieve trapped water. Place a plastic (not metal) bucket under the leak. Do not turn on ceiling light fixtures or fan if the ceiling is wet.

Move Wet Items to Dry Areas

Clothing/Fabrics: Move wet items to a dry place. Do not allow draperies to remain in contact with wet floors or carpeting. Open and empty drawers and cabinets for complete drying. Hang furs and leather goods to dry separately at room temperature.
Furniture: Move lighter pieces off of the carpeting. Place plastic wrap or plastic bags beneath the legs of larger furniture. Wipe any residual water off of the furniture.
Art Objects/Paintings: Remove valuable painting and pictures from wet walls. Transfer all objects to a dry safe place.
Upholstery: Remove and prop up wet upholstered cushions for even drying. Check for possible bleeding of colors.
Luggage: Open suitcases and luggage to dry in sunlight if possible.
Books/Magazines: Do not leave books, magazines or other colored items on wet carpets or floors. High value books should be given to a professional for proper drying and restoration as soon as possible.

Ventilate Affected Areas

Air Conditioning: Turn on your air conditioner (no lower than 72 degrees) to speed drying in the summer, or more humid regions.
Open windows and doors when possible.

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