Insurance Estimates and Your Mitigation Records in Virginia
BYSteve Jafari, General ManagerNORTHERN VIRGINIA, MARYLAND & D.C.
Restoration Doctor provides an itemized invoice, moisture readings, a drying record, an equipment log and photographs for every mitigation job, and we share them with your insurer at your request. We invoice the property owner. Coverage depends on your policy and your insurer's decision. Questions about coverage belong with your insurer, your agent, or a licensed public adjuster or attorney.
Call 1-888-29-FLOODWhat does Restoration Doctor document?
Restoration Doctor invoices the property owner. For every mitigation job we produce the records below, and you receive them. We share these records with your insurer at your request. If your insurer asks us for our records, we provide them with your permission.
- An itemized invoice, priced line by line for the work performed
- Daily moisture readings for each affected area, with the temperature and humidity conditions they were taken in
- A drying record showing what was wet on arrival and what the readings were each day
- An equipment log showing what ran, where it ran and for how many unit-days, a unit-day being one machine running for one day
- Time-stamped photographs of the affected materials, the work performed and the equipment in place
What does our invoice show?
The invoice is itemized, with each line priced for the work performed. Equipment is listed in unit-days, a unit-day being one machine running for one day. Each line ties back to our moisture readings, equipment log and photographs.
Who decides what an insurer pays?
Your insurer alone decides what it approves and pays. Coverage depends on your policy and your insurer's decision. Questions about coverage belong with your insurer, your agent, or a licensed public adjuster or attorney.
You are responsible for payment under your signed agreement with Restoration Doctor, whether or not your insurer pays.
What can a restoration contractor not do?
Virginia defines public adjusting in Va. Code § 38.2-1845.1 as "soliciting, investigating, negotiating, adjusting, or providing advice to a policyholder in relation to first party claims." Restoration Doctor does not do that work. We document what we found and what we did, and we invoice the property owner.
Restoration Doctor is a water mitigation company. We are not a public adjuster or an attorney, and nothing here is legal or insurance advice.
Where can you read the rules?
Virginia's claim-handling rules are published at law.lis.virginia.gov. Restoration Doctor does not interpret them for your policy or your claim. Coverage depends on your policy and your insurer's decision. Questions about coverage belong with your insurer, your agent, or a licensed public adjuster or attorney.
