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Billing on Fire Restoration

mrkbcknr

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Oct 17, 2019
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Mark Buckner
When we do fire mitigation in a home with heavy soot and water damage from the fire department, we always charge CAT 3 for extraction, demo, etc. Do any of you get push back from insurance carriers on charging CAT 3?

We all know fire/smoke/soot is carcinogenic and therefore meets the CAT 3 definition in the IICRC S520. However, the S520 does not specifically state this and the carrier is pushing back. If you've been successful in justifying it, how did you do so?
 

Vizip

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Mar 11, 2016
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Rami Nader
When my Team and I do a fire restoration job, we dont consider it a cat 3 loss or charge as a cat 3 loss. If I was the adjuster I would honestly laugh at that scope. Cat 3 is typically used as unsanitary water or trauma events. In this case, you can only use heavy line items for fire restoration. Also, make sure you take advantage of using a Hydroxyl. Those things pay for themselves.
 

SRD

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Nov 6, 2010
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Spencer Dawdy
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Weve gotten push back as well but they really dont have a leg to stand on. Everything a fire produces is a known and proven carcinogen. I told an adjuster once instead of me arguing that it was cat 3 he needed to prove to me and the homeowner it wasnt.... he paid cat 3 lol
How can they say the pic isnt cat 3
 

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Vizip

New Member
Mar 11, 2016
29
12
3
25
Real Name
Rami Nader
Weve gotten push back as well but they really dont have a leg to stand on. Everything a fire produces is a known and proven carcinogen. I told an adjuster once instead of me arguing that it was cat 3 he needed to prove to me and the homeowner it wasnt.... he paid cat 3 lol
How can they say the pic isnt cat 3
Is there a mixture of water and debris? If so, I can see why he paid cat 3 lol. Definitely unsanitary.
 
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SRD

Well-Known Member
Nov 6, 2010
3,364
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midwest
Real Name
Spencer Dawdy
Business Location
United States
When my Team and I do a fire restoration job, we dont consider it a cat 3 loss or charge as a cat 3 loss. If I was the adjuster I would honestly laugh at that scope. Cat 3 is typically used as unsanitary water or trauma events. In this case, you can only use heavy line items for fire restoration. Also, make sure you take advantage of using a Hydroxyl. Those things pay for themselves.
Look at the above pic..... unsanitary water? Ya think?
 
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