1

Insurance expects homeowners to take reasonable steps to stop further damage.

Once you authorize us to begin, HomeDry starts emergency mitigation immediately:

• Extracting water
• Stabilizing the affected areas
• Setting drying equipment
• Documenting everything for your adjuster

This protects your home and keeps your claim moving.

2

When you’re ready, you’ll call your insurance company to report the loss.

A simple, safe way to start the call:

• “I’ve had a water loss at my home. HomeDry is here performing emergency mitigation.”

This keeps the process smooth and avoids delays.

3

Insurance companies expect homeowners to describe what they observed, not diagnose the cause or guess how long something has been happening.

What to Say

Stick to simple, factual observations:

• “I noticed water on the floor.”
• “The ceiling or walls were wet.”
• “A pipe burst today.”
• “This is when HomeDry discovered the damage.”
• “I took reasonable steps to stop further damage.”
• “I hired HomeDry to begin emergency mitigation and documentation.”

These statements are accurate and exactly what adjusters expect.

What NOT to say

Avoid guessing, diagnosing, or minimizing the loss.

• Don’t guess how long it’s been happening
• Don’t label it as wear and tear
• Don’t say “mold” unless it’s confirmed
• Don’t minimize the loss
• Don’t promise anything on HomeDry’s behalf

A safe alternative:

• “There are some dark or discolored areas we noticed.”

4

Understanding Your Policy (High‑Level Only)

Every policy is different, but most include separate coverages for:

• Water damage mitigation
• (the emergency work HomeDry performs to stop further damage and dry the structure)
• Mold
• (usually capped at 5k to 10k and only when mold results from a covered water loss)
• Contents
• (your personal belongings such as furniture, clothing, electronics, and household items - these are handled separately from the structure itself)
• Repairs
• (reconstruction work performed by contractors after mitigation is complete)

Your adjuster will review your policy and make all coverage decisions.

HomeDry does not interpret policies or guarantee coverage.

5

Mold coverage is usually limited and only applies when mold results from a covered water loss. Homeowners should avoid using the word “mold” until it’s confirmed, because:

• Mold coverage is capped
• Mold is not covered if it’s from long‑term leaks
• Insurance may misclassify the loss if the word is used prematurely

A safe way to describe what you see:

• “There are dark or discolored areas we noticed.”

If mold is confirmed, HomeDry will document conditions clearly and professionally for your adjuster.

6

Drying equipment works best when it runs continuously.

Turning it off can slow the process and may affect how insurance views the loss.

7

Once you have a claim number, send it to us so we can provide your adjuster with:

• Photos and videos
• Moisture readings
• Daily logs
• Equipment lists
• Notes on the cause and extent of damage

This documentation helps your claim move efficiently.

8

We monitor moisture levels, adjust equipment, and keep your file updated.

This protects your home and keeps everything on track.

9

Insurance may:

• Pay HomeDry directly if you authorize it, or
• Pay you, the homeowner

If you receive a check that includes HomeDry’s services, you agree to endorse and forward it to us. This is standard in the restoration industry.

10

We Can

• Document the loss thoroughly
• Communicate with your adjuster
• Support the claim process
• Provide clear updates and guidance

We Cannot

• Interpret your insurance policy
• Guarantee coverage
• Act as a public adjuster

Your adjuster makes all coverage decisions.

11

Water damage is stressful, but you are not alone.

HomeDry is here to protect your home, keep you informed, and make the process as smooth as possible.