For Adjusters and Property Managers: How We Document a Commercial Water Loss

The Facts

For Adjusters & Property Managers

In Every Package

Cause and date of loss in one sentence, category and class of water, with photos of the source.
Moisture map: affected materials, readings against a dry reference on the same material, meter type noted.
Daily atmospheric and material readings until dry standard, with photos of the meter screen.
Equipment log: type, count, serial, hour meter in and out, photo of each unit placed.
Drying report and the signed work authorization with the rate schedule version named.

How We Bill

Rates are posted on our site with a version and effective date, and the owner signs that schedule before work starts.
Invoice lines map one-to-one to the schedule. Every equipment line carries a serial and hours.
Direction of payment to us is fine. We do not take assignment of benefits.
Deductible and any uncovered balance are the insured's, invoiced after your determination.

What We Are Not

Not a franchise restoration company. We are the commercial HVAC, refrigeration, and kitchen equipment contractor already servicing the building, which is usually how we found the water.
Not a mold remediation firm. Drying and antimicrobial, then referral if growth is present.
Not a residential operation. Commercial accounts and the properties they own.

Why the Documentation Is Unusually Complete

Our technicians already photograph every nameplate and every reading on ordinary service calls; it is how our equipment records work. On a water loss the same habit produces the claim file automatically. Pre-existing conditions are noted honestly on day one because they protect the claim as much as they protect us.

If You Need to Adjust a Line

Send the line and the reason. You get the signed schedule, the photo or reading that supports it, and a short reply. Where we agree, we credit it. Where the schedule and the documentation support the line, the balance remains the insured's obligation, and we say that in the work authorization the insured signed.

Dirty Works technician servicing a rooftop unit

Documentation

Need the Documents Today?

Text 601-337-1069 with the certificate holder's legal name and address, or email the vendor form. The W-9 and certificate of insurance come back the same business day.

Text the Request

Common Questions

For Adjusters & Property Managers FAQ

Do you use Xactimate pricing?

No. Our rates are our own, published in advance with a version and date, and signed by the insured before work starts. We can supply the documentation in whatever format your file needs.

Can you send the package before the invoice?

Yes. Most adjusters get the first-visit report the same day the claim is opened and the daily logs as they are taken.

Who is the certificate holder for insurance purposes?

Tell us the exact legal name and address and the certificate of insurance comes from our agent the same day. Limits are on our credentials page.

The Package That Closes the File