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Receiving Water Problems Invoices Past Insurance Adjusters

The most annoying things about water restoration is having a connect with in mold removal Houston  the adjuster saying your invoice is too higher. In the course of my fourteen + years while in the water restoration business I have gotten plenty of calls from adjusters stating that my rate is just too large on this dehumidifier or this enthusiast, etcetera. This employed to bug me until finally I acquired the key to stop these types of phone calls, Conversation & DOCUMENTATION. Remember that the adjuster has to justify his work to his boss and as long as the selling price and scope of work can be justified then it will be paid.

Starting off the job on the right foot is important. You should always get a work authorization signed by the insured before starting work. A work authorization will allow some insurance companies to be able to pay you directly or at least get your name on the check.

Then as soon as the initial mitigation is performed, simply call the adjuster and let him/her know what you did. This can be done on the way back to your office. Through this conversation just let the adjuster know what you saw when you arrived and what you decided to do about. During this conversation I generally try to steer away from talking about pricing. If they ask about it then I will talk about it, but for me this is more of an information phone phone to the adjuster. At this point, usually the adjuster has not been there and so to phone and inform him/her what is going on is my main objective.

Next, you should have an itemized invoice. The bill should include your company name, address, (so they can send the check) and your Taxpayer Identification Number. Each room that work was performed in should be separate and have measurements down to the nearest inch. Then within each room list each item or piece of equipment. At this point it is good to comment on the items that are most questioned, such as cost of dehumidifiers, number of fans, extraction, etcetera. Place comments with the items, if your estimating software will let you, justifying why you charge what you do for a dehumidifier or why you had 3 fans in a 6 x 6 room. Anything that could be questioned comment on it. To me this is just about the most important parts of the invoicing process. Yes, it is time consuming but the adjuster will be able to see the reasoning behind the line item. This alone may protect against most phone calls.

Next include a copy on the signed work authorization and signed certificate of satisfaction. This not only shows that the customer was satisfied but that they authorized you to do the work. Make sure that your work authorization form includes a section in it that would allow the insurance plan company to be able to pay you directly. I, personally, had my lawyer look over my form to make sure it was accomplishing what I wanted it to accomplish. I would strongly suggest that you do the same no matter whether you got a generic form from somewhere or you came up with your own form.