Self Pay Vs. Insurance Coverage for Water Damage (& Other Restoration Services) - Blog | Complete Restoration Services in Boise, Meridian, and Eagle, ID
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Complete Restoration Services Blog

14May

Self Pay Vs. Insurance Coverage

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No one ever plans to have substantial damage to their home or business. However, when unfortunate and devastating events happen unexpectedly they can be costly. Generally, it is not a matter of if, but when the damage happens that determines the level of repair needed. Proactively planning for emergency situations like mold, fire, water, and other kinds of damage can also make a great impact on how much repair is needed. Emergencies call for swift action and proper budgeting to ensure a safe & effective remedy.

Self Pay Claims

Self pay option helps to save on monthly costs, however taking on a large repair bill is a huge responsibility. This requires upfront investment for a savings cushion, proactive vigilance when it comes to weather forecasts, making necessary preparations for bad weather, and a strong discipline for saving. If it is financially feasible and there are excess funds in your account that could cover such an exorbitant expense, then it may be a reasonable decision to adopt this option. Also, it is wise to note that with certain coverage may be wise to skip in choosing the self pay option. For example, preparing for a natural fire may not be a wise decision, here in Idaho. It may be considered helpful to keep an eye on large scale weather conditions for budget conscious insurance (or non insurance) decisions.

Insurance Claims

Paying insurance premiums (and not letting them lapse) is a responsibility in & of itself. However, not so much regarding keeping tabs on a savings account. Having insurance is a low cost way to get started in protecting your assets against damage and makes the process more streamlined in getting your restoration service completed as quickly as possible. Paying a small premium each month allows for a piece of mind in case of accidents or natural disasters. The only responsibility for the policy holder to read the fine print regarding coverage and be sure to buy the necessary coverage. For more information on what to expect and what to look for in selecting insurance coverage, please visit our Insurance page, where we list the insurance companies we accept. For more in-depth information about choosing property insurance, visit the USA government national website.

Why choose Complete Restoration Services

  • Our certified technicians are experts at handling various types of restoration projects like fire, water, mold, and more so you do not have to manage several contractors
  • We accept many insurances
  • We are locally owned
  • We operate in Boise and the greater Boise area including: Garden City, Hidden Springs, Eagle, Meridian, Star, Middleton, Nampa, Caldwell, and Emmett
  • We have an insurance claim specialist who is focused on you
  • We offer financial plans for out of pocket expenses

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