"Contents Pack-out" is a term used by water and fire restoration contractors, and insurance companies. It is the process in which the contractor sends trucks, boxes and workers to your home. They pack up all of the damaged personal property in your home or business and transport it back to their warehouse. Once the personal property is at the warehouse, the contractor begins the cleaning and restoration process.
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Insurance companies do not like to replace personal property. They would rather clean or repair it and give it back to you. That drastically slashes their claims cost, which makes them happy.
I've been an insurance adjuster for over 16 years, and in the insurance business for over 35 years. I've seen very few instances where seriously damaged personal property can be just cleaned or repaired successfully. Most fires burn or infuse toxic chemicals into personal property, like wood or textiles. Same goes for a flood loss. My personal opinion is that replacement of damaged personal property is better than repair or cleaning.
So, what is the trap?
Insurance adjusters like to swoop in with their favorite approved restoration contractor and do a "pack-out." But your insurance policy has a limit on Personal Property. All of the money that the insurance adjuster authorizes to have your contents cleaned is paid against the policy limit. So, if the restoration contractor cleans a bunch of your damaged property, but you reject it as damaged, the contractor still gets paid. But you have less money now to replace your damaged personal property.
The trap is that a pack-out can penalize you when you are submitting your insurance claim!
Here's the Escape Strategy
1. You own the personal property...not the insurance company and not the restoration contractor. It is YOUR DECISION what gets repaired and what gets replaced, not the adjuster.
2. Call in your own restoration contractor for a second opinion. It shouldn't cost you anything, but even if it did, it would be money well spent.
3. Make sure every single item that gets removed from your home is listed on an inventory sheet.
4. Based upon your contractor's opinion, negotiate the replacements with the adjuster and settle the claim.
If you have experienced a property loss, whether fire, wind, flood or other, you need to know winning insurance claim strategies. The insurance company will not tell you the claims process, but I will. I will show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, go to the website listed below.
The bottom line of every efficient business should be how to maximize its profits in a manner that leads to the greatest potential future profitability. As a result, companies are always looking to alter their janitorial programs in such a way to minimize their expenses to boost their bottom line, while maintaining an acceptable level of cleanliness. The following article will help shed light on the dirty business of deciding whether to contract out the cleaning services, or to take care of them in-house.
Does the Bottom Line Always Make Cents?
There are many Warehouse Floor Cleaning near me hundreds of factors to consider when weighing how a company ought to best handle its' janitorial services. For the sake of simplicity and efficiency, we'll examine the large factors that most businesses need to consider for their janitorial programs.
Managing Your Options
The first question to consider is: Which member of your business will manage the janitorial program? If you do not have somebody within your company that is both readily equipped to manage all of the janitorial services and personnel AND still perform all of their other duties, then your company will have to take on a considerable additional expense to provide In-House Management. Professional cleaning companies already have management in place to handle services, personnel and any emergency issues that may arise at a moments notice. While it may certainly be cheaper to employ your own entry-level staff, a few extra costs come associated with that; training costs, hiring/firing costs and the previously mentioned management costs. These added together could already result in a company having higher costs than hiring a specialized janitorial service.
Additional considerations come with purchasing the proper equipment and chemicals necessary to carryout the work. While janitorial companies do factor in some amount of equipment and chemical usage, it is often much lower since they purchase their items in larger quantities and can easily transfer it to another facility if necessary.
It's None of Your Business
Often times companies go into business with the intent of selling certain goods or services as a means to generate sufficient revenue. What usually happens, however, is business owners and members of management end up spending large resources, staffing and time carrying out miscellaneous functions that are necessary to run the day-to-day activities of a business. This takes away from time and energy that could be spent growing your actual business. The companies that are most successful and are able to continue growing at rapid rates are generally those who focus all or most of their resources and energy on exactly what their business is supposed to do. An article from BusinessKnowHow.com goes further into how a business should evaluate what other processes should be considered for outsourcing.
Do What you Know, and Let the Rest Go
The final test is to contact some local janitorial service companies and ask them about how they can help your business grow. Be specific on not only what services you would like but also what type of budget your are looking to stay within. Companies are often hesitant to give out budget information, but by discussing it with a trusted cleaning professional, they can work out a janitorial program that best accommodates both your budget and facility needs. A trusted professional will take the worry of cleaning off your plate, so your business can focus on what it does best.