(602) 942-3641

(800) 310-0469

FireWaterPack OutFurnitureMoldVandalismFacilityHome Page




















  Disaster Proofing Publications 
 10 Ways to Disaster Proof  Eng

 10 Ways to Disaster Proof Chn 
 10 Ways to Disaster Proof  Spn

10 Ways to Disaster Proof Krn 
 10 Ways to Disaster Proof Lat

10 Ways to Disaster Proof Rus  
 10 Ways to Disaster Proof Tag

 10 Ways to Disaster Proof Arm

 10 Way to Disaster Proof Wav 

 Disaster Supplies Kit 
 Helpful Resources in Disaster  

 Workplace Disaster Supplies

 24 Hours After Disaster Strikes 



Drought and Heat Publications

 Heat Waves 

 Heat Wave 




            Flood Publications
 Flood Power 

 Flood Smart 

 Inland Flooding 

 Flood Checklist   

 Preventing & Preparing

 What to do in a Home Flood



Homeowner Publications

 6 Ways to Protect a Home 
 Homeowners Guide 

Keeping a Home Safe  
 How to buy Homeowners Ins. 

 Avoiding Carpet Cleaning Scam 

 Flooring Glossary 
 Board Measures

Consumer Alert for Winter 
 Break the Grip of the Rip

 Preventing Water Damage
  Water Damage & Insurance




Miscellaneous Publications

 Insurance Casualty Carriers

 Insurance Property Carriers

 Loss Recovery w/Standards 

 Wet Carpet Removal
 Water Damaged Cars

 Stain Removal





Mold Publications

 All About Mold
Basement Waterproofing

Bleach is Not a Mold Murderer
Damp Basement Basics 

 Drying Out Water Damage

Mold Contamination

 Mold Faq's 

 Mold Removal
 Toxic Effects of Fungus

 Black Mold 

 Protect Your Basement





Publications for Kids  

 Owlie on Winter 
Owlie on Tornados

 Owlie on Floods

 Owlie on Hurricanes 
Owlie on Lightening

Owlie Sky Warning

 Coloring Book 
 Disaster Preparedness Coloring  Disaster Preparedness Clr Spn

Disaster Preparedness Coloring





Storm Publications

Storm Surge mp3 

 Storm Ready
 El Nino

Tsunami Ready
Sport Guide to Lightening  
 Facts About Lightning

 Hurricane Safety
 Against the Wind 

 Avoiding Wind Damage
 Electronic Do's & Don'ts 

 Water Damage Do's & Don'ts
 Water Damage Effects
 Water Damaged Vehicles
















The First 24 Hours After Disaster Strikes


In the Chaos following a fire or water damage, insurance policies may be misinterpreted. Despite the turmoil and confusion, it is important to make wise decisions, because you will be living with the results long after the confusion has passed. Your insurance policy is a contract between you and your insurance company. It entitles you to certain rights and imposes certain obligations. As a professional restoration contractor, Abracadabra Restoration believes that it is in your best interest to understand the rights and options available to you when you most need them. Below are numerous questions frequently asked by policy holders.

1. What action does my insurance policy require after a loss?

In addition to notifying your insurance carrier, most policies require that you take reasonable action to protect your property from further damage. If you fail to do so, your insurance may not cover any additional loss caused by your failure to provide such protection

2. Must I hire a restoration company recommended by my insurance company?

Your insurance policy does not state that you must retain a restoration company that is referred or approved by your insurance company. You are entitled to employ the services of a reputable, fully licensed and insured repair firm. If you do not employ such a firm, you may be responsible for the consequences and liability for injury, damage or other actions. This is true whether or not your insurance company recommend the firm.

3. Can my insurance company hire a repair firm to work on my house?

Only the owner of the property can authorize a company to perform work on that property. The repair contract is between the owner and the contractor. Your insurer does not have the right to directly contract for your repairs or insist that you employ a particular supplier or restoration firm.

4. How do disclosure rules affect my repairs?

Under current laws you may have to disclose post damage to any future buyers, making it essential that all evidence of damage be completely eliminated. Damage that has been covered up may be discovered later and raise serious problems for the prior owner - (I.e. Mold)

5. How can I evaluate a restoration contractor?

First, ask for references to three jobs the contractor is currently working on or has recently completed. Call them. Second, check with your local Better Business Bureau for any unresolved complaints. Third, ask the contractor for credentials and association memberships that indicate professional training and status in insurance repair and restoration, since this differs from ordinary home improvement or maintenance work. And finally, ask the restoration company about any relationship with the insurance company that may impede their ability to provide an independent evaluation of your damages.

6. How long must I wait for my insurance payment?

You are entitled to receive payment from the insurance company within the time specified by the policy and your state insurance regulations. Usually this is 30-60 days after submittal of the signed proof of loss. However, the policy also has time requirements for the policy holder. Check your policy or ask your adjuster or agent about them so that you will know what to expect.
   Only you (the policyholder) can insist that your insurance company comply with its obligations under the policy. As professional restoration contractors, Abracadabra Restoration recommends that you do out of our strong conviction that good workmanship and ethical business practices benefit the insurance industry just as they benefit the public at large.

NOTE: this information is distributed for educational purposes only and is not intended to and should not be construed as providing legal advice.




Sun-Brite Professional Services, Inc.

1654 W. Knudsen Dr.

Phoenix, AZ 85027