A: Not necessarily. You definitely want to notify your insurance company quickly and get a claim filed. However, insurance adjusters will come to your house Monday-Friday, during working hours. We offer 24/7 response. This allows us to begin the emergency services, such as structural drying, temporary roof repairs to keep the elements out, and board up services to secure the structure and anything inside until the insurance company can be onsite. After your deductible is met, all of these services are typically covered on a homeowners policy.
A: No. Insurance companies may have ‘preferred vendors’, with which they may have negotiated lower prices. However, your policy will not require that you use a vendor of the insurance company’s choosing. In the end, it is YOUR house and YOUR choice. Our responsibility is open communication with the insurance adjuster during the claims process to make sure the your deductible is your only out-of-pocket expense. The only additional costs should be agreed upon in advance, such as upgrades to the structure that are outside the original scope of work.
A: If you have insurance coverage, the simple answer is ‘whatever your deductible amount is’. If you decide to have additional work performed during the course of the project, these costs would also be your responsibility. For example, maybe you decided during the course of construction to install wood flooring in the living room instead of replacing the carpet. The cost DIFFERENCE would be your responsibility and we keep track of this for you, letting you know IN ADVANCE what that difference will be.
