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“My house flooded and my floors are damaged. What happens next?”

Flood damage

Water is the nemesis of flooring. While some flooring (vinyl for example) can hold up better against water than others, most need to be replaced after a flood. Once the insurance company has been called and a restoration company is on their way, many customers still have questions. Most of our customers have (thankfully) never been through a flood before and aren’t familiar with the insurance restoration process. Having answers to your questions and a guide on what is next to come helps to bring much needed peace of mind in this less than desirable situation.

Though we cannot speak to the whole claim process, we can provide some insight about  how the flooring portion of your claim works.

The Process

  1. A restoration contractor comes out to assess the damages. This restoration company can be one recommended by your insurance or one you chose.
  2. The restoration contractor writes a scope and gets their recommended flooring companies to come to your home.
  3.  The flooring company measures the affected areas and takes samples of the existing flooring.
  4. A like kind and quality product is determined. The method used to determine like, kind and quality varies based on the insurance adjuster’s request but we most often send our samples to an independent flooring lab that recommends a like kind and quality replacement product and value.
  5. The flooring companies send a quote to the restoration contractor. Once received, the restoration contractor sends the flooring quote as part of the larger repair scope quote to the insurance adjuster. The insurance adjuster reviews the quotes they received (often from multiple companies) and approves one.
  6. Once a quote is approved, the flooring contractor receives an instruction to go ahead with product selection.
This is just the general process followed in most of the insurance claims we have done flooring for. Some steps may vary depending on your restoration company.

Choosing product: I want a similar product

Your flooring company will bring out samples to your home or invite you to take a look at their showroom. The samples shown are the ones recommended by the lab or other products that are similar in quality and price. With thousands of flooring options out on the market and a constant turnover of products to accommodate new trends, no flooring company can guarantee they will find an exact match to your original flooring but we will certainly try! If you still have them, providing receipts from the original flooring purchase can be helpful for finding the same product.

Choosing product: I want something different

Since the existing flooring is being removed, many home owners use the repairs as an opportunity to switch out their current flooring for something new. At MIRA, we will ask a couple of questions about what you’re looking for and find products meet that criteria. We can either bring samples to your home or invite you to our showroom to view a wider selection of options.

Once you have picked your samples, we will work out the upgrade cost for you. Depending on the complexity of the upgrade, we will either work out the price on the spot or email you the upgrade quote at a later date. Replacing your vinyl and carpet with tile and hardwood will often require a full upgrade quote, while the cost difference of choosing a higher priced carpet than your original carpet can be calculated in your home. We determine your upgrade amount by calculating the price of the product and installation, minus the amount covered by insurance. Often this amounts to one lump-sum total but we are more than happy to explain each of the costs to you, line by line if requested.

Do you have further questions about the insurance restoration process? Let us know in the comments!

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Kelsey is the main writer for the MIRA Floors blog. Have a flooring question you would like us to cover? Let me know in the comments.

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