Category Archives: Water Damage Philadelphia

Royal Water Damage – A Rating on Angies List

 

Royal Water Damage - A Rating on Angies list

 
http://waterfloodsewagecleanup.com/

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.)
 
Cities Served: Abington | Ambler | Ardmore | Aston | Audubon | Awbury | Bala Cynwyd | Bensalem | Berwyn | Blue Bell | Boothwyn | Bridesburg | Bristol | Brookhaven | Broomall | Bryn Mawr | Bucks County | Bustleton | Cedar Park | Chalfont | Chester | Chester County | Chestnut Hill | Chinatown | Clifton Heights | Coatesville | Cobbs Creek | Collegeville | Concordville | Conshohocken | Croydon | Darby | Downingtown | Doylestown | Drexel Hill | Eagleville | East Falls | Eastwick | Eddystone | Elkins Park | Elmwood | Exton | Fairmount | Feasterville Trevose | Fishtown | Frankford | Germantown | Glen Mills | Glen Riddle | Glenolden | Glenside | Harleysville | Hartranft | Hatboro | Hatfield | Havertown | Holmesburg | Horsham | Hunting Park | Huntingdon Valley | Jamison | Jenkintown | Kennett Square | Kensington | King Of Prussia | Lafayette Hill | Landenberg | Langhorne | Lansdale | Lansdowne | Lawncrest/lawndale | Levittown | Lincoln University | Logan | Lynnewood Gardens | Malvern | Marcus Hook | Media | Montgomery County | Morrisville | Mt. Airy | Narberth | New Hope | Newtown | Newtown Square | Norristown | North Wales | Oak Lane | Old Kensington | Olney | Overbrook Hills | Oxford | Oxford Circle | Parkwood | Penndel | Pennypack | Philadelphia – Downtown | Phoenixville | Plymouth Meeting | Point Breeze | Pottstown | Quakertown | Radnor | Rhawnhurst | Ridley Park | Rittenhouse | Rose Valley | Roxborough | Royersford | Schwenksville | Society Hill | Souderton | South Philadelphia | South Street | Southampton | Southeastern | Spring Garden | Springfield | Spruce Hill | Stanton | Strawberry Mansion | Swarthmore | Tacony | Telford | Torresdale | Upper Darby | Upper Holland | Valley Forge | Wallingford | Warminster | Warrington | Wayne | West Chester | West Grove | Whitman | Willow Grove | Wynnefield | Wynnewood
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What Is Subrogation? And how it matters to you.

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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Royal Water Damage is an IICRC Certified Firm

IICRC Certified Firm

Royal Water Damage – IICRC Certified Firm

IICRC Certified Firms have earned the right to display the cleantrust logo as a symbol of quality. In order to achieve IICRC-certified status, firms must meet a rigorous list of standards in business ethics and expertise. All IICRC Certified Firms must:

  • Present accurate information to consumers and conduct business with honesty and integrity.
  • Require a technician on all jobs who has been formally trained and passed all required tests.
  • Require a continuing education program to keep technicians up-to-date on the latest changes in the industry.
  • Maintain liability insurance to protect all parties in the event of an accident.
  • Maintain a written complaint policy and agree to Better Business Bureau or similar arbitration to resolve disputes, and accept the conclusions and recommendations of arbitration.

The IICRC actively has relationships with fiber producers, carpet and fabric mills, furnishing manufacturers and retailers, and others affiliated with the industry. The use of cleantrust  service professionals is specified in leading manufacturers’ maintenance brochures and warranties.

When it comes to cleaning, restoration and inspection, the IICRC writes the books

As an ANSI-accredited standard-development organization, the IICRC has led the way in establishing the main industry standards and reference guides for professional carpet cleaning, upholstery and fabric cleaning, water damage restoration and mold remediation.

Each IICRC standard takes years to develop and the coordination of several experts in the field, including allied tradespersons; manufacturers; international, national and regional trade associations; individual or franchise professionals; cleaning, inspection and restoration industry organizations; insurance industry; training schools; contractors; and public health professionals.

These standards are reviewed and updated at least every five years. Many of these fields, such as the water damage restoration field, change rapidly and those who are certified keep up with the advancement of the science and generally accepted practices of the industry.

The IICRC helps keep homes and businesses healthful

According to the Environmental Protection Agency, the average person spends 90 percent or more of their time indoors, where levels of pollutants may be two to five times (and occasionally more than 100 times) higher than outdoor levels.

This makes it extremely important to perform regular maintenance inside your home or business. In addition to vacuuming, cleaning and checking for water damage on a regular basis, using a certified technician for cleaning will help extend the life of your flooring and upholstery and ensure that your home or business is healthful for those who live and work there.

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