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Cause and Origin Reports – How They Can Help You After a Disaster

Unfortunately, the headache of a disaster doesn’t always end as soon as the water is cleaned up or the fire is put out.  Sometimes, there are disputes over who should pay for the damages, and who is actually responsible for the damages.

That’s where cause and origin reports come in handy!

A trained expert can study your home and figure out exactly where your disaster began.  At Disaster Restoration Services, we can tell you specifically where your fire started and what caused it, or why that leak caused so much damage.

Most of the time, cause and origin reports are sent to insurance companies to help them make a decision on whether or not to pay the claim.  And many times, cause and origin reports can get your insurance company to pay for your damages – even after they originally said they would not.

For example, your homeowner’s insurance policy may specifically exclude mold damage that built up over time – as a result of moisture building up in your home.  However, a cause and origin report may be able to show that your mold damage was actually the result of a recent hurricane that damaged your roof and allowed water to seep into your home.  In that event, your insurance company would be responsible for paying to clean up the damages.

Or, an insurance company can use a cause and origin report to hold another insurance company responsible for footing the bill.  Let’s say that the fire in your home was caused by wiring that was installed wrong.  Your insurance company may have already paid you for the damage, but now, they can go after the electrician who did the faulty work.  Without a cause and origin report, no one would have known the real story behind the fire!

Here are some of the questions that the cause and origin reports at Disaster Restoration Services can answer:

For water damage:

  • Where did the flood begin?
  • Was the flood a result of faulty equipment?
  • Was the flood a result of a minor leak that slowly got worse?
  • Was the flood a result of someone else’s negligence?

For fire damage:

  • Was the fire really an accident?
  • Was any type of accelerant used?
  • Where did the fire start?  Which room?  Which circuit?

For mold damage:

  • How severe is the mold problem?
  • How has the air quality in the home been affected?
  • What is the humidity level in the home?
  • What is the moisture level in the home?
  • Where did the mold damage originate?
  • Did the mold build up over time, or did it sprout after a sudden event?