Complaints

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• Initial Complaint

  Date:07/22/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  5/21: I got water in basement. Called my broker, ************ filed claim provider, Chubb. I got on waiting list for 3 local mitigation companies. I started my own stabilization *************** a call from Chubb saying they would call ServePro (1 of local mitigation companies I was on wait list). I got a call from **** Davis Restoration (PDR), non-local company, saying, "Chubb called ************* sending us to ***********. We'll be there in 1hr & you should stop your personal stabilization efforts." PDR stabilized things 5/21-5/24 while Chubb had given no direction. For fear of mold, we moved fwd with demo of drywall/trim on 5/24 because 72 hours to get water out of walls. I personally authorized demo on 5/24. I was told 3 times verbally & in email that "I would not be financially responsible for the initial stabilization efforts (5/21-24) because ***** authorized us & dispatched us to your home." I have this in writing. ***** claim was officially denied on 6/28. On 7/2, I rec'd a very general invoice from PDR for $6,888.67 with no line item specifics. I emailed them for a per day breakdown of charges & was never given one. I told them that, based on their words, that I was NOT responsible for the first 3 days of mitigation. In their response, PDR offered to reduce the invoice by $894.66. I emailed back that I didn't believe that *** was the *** I would have been charged, had I opted to do my own mitigation from 5/21-5/24 and offered to pay them $3,940.32 cash within 24 hours (which was 57.2% of the invoice). That % is the # of days (4 of 7 - 5/24-5/27) that I authorized them to do work (demo). Remember, they were dispatched by ***** & told me to cease my own personal mitigation efforts. My perception is that they tricked me into authorizing their initial stabilization by identifying themselves as being sent by ***** and having me cease my personal efforts. I'm happy to pay 57.2% of the invoice. On 7/9, PDR placed a lien on my property.

  Business Response

  Date: 07/22/2024

  ******************,

  We have communicated via email since you've filed the complaint with the BBB so I will just reshare here what we've already discussed. As you know **** Davis Restoration was assigned your claim via Chubb on May 21st. Upon arrival at your home we called Chubb and were instructed to extract water and set stabilizing drying equipment (dehumidifier & air movers) only, as an adjuster had not yet been assigned. The adjuster was assgined on May 23rd, and he instructed us to proceed with demolition and to set drying equipment. Upon removal of the affected drywall, we found microbial growth inside the wall cavity and underneath the carpet. Demolition and mold remediation were performed on May 24th, and we reset drying equipment. Mitigation was completed on May 28th. **** Davis submitted all documentation along with an invoice to Chubb. 

  On July 1 you notified us that that ***** denied your claim. We filed a Commencement of Work with the Iowa Secretary of State to maintain compliance with Iowa Code Chapter 572 to simply preserve our Lien rights. We have not filed a lien.

  Even though ***** denied coverage,were working towards having them reconsider. They provided approval for the work performed, and therefore we are of the belief they may have financial responsibility. It is our intention to continue to try to collect payment from your insurance carrier. For this reason, we are not willing to accept the reduced payment that you have offered. It can be painstakingly slow working with the carriers and may require a few weeks before were able to get a response.

  We are not your adversary. Were operating in good faith and hope to have this resolved soon. 

  *************************

  **** Davis Restoration