If you have never had an insurance claim on your home before, this article could be helpful.
An Automobile claim is such that you deliver the car to the shop, and pay your deductible, and come back and pick it up when it is done.
Home repair claims are a little different, where the insurance funds are disbursed to the homeowner and the mortgage holder, and sometimes to the homeowner and contractor.
Work performed without the express approval of the insurance company may not be reimbursed to you!
Due Diligence is still a responsibility as the homeowner that you must do what you can to minimize further damages to your home, protecting it as possible.
An example is a flooded home, and not allowing that water to drain out of the home, or mopping up what is possible to get up.
With major disasters, many out of state claims workers will appear to help your insurance company to determine the amount needed to correct your home, and they are fast.
So fast, that sometimes they leave some things out, or even use pricing for another part of the country, which may not be applicable to your home here in our area.
All Pro Improvements has tried to make this experience closer to the experience that you may see with an automobile claim, in that we will agree to make the repairs for what the insurance company will agree to pay for those repairs.
We don't know how to be any fairer on that! You will have to pay your deductible, or do some of the work yourself, for us all to be acting legally.
So if you are waiting on your insurance adjuster, you should be looking for a contractor too.
Once the adjuster makes his determination of the estimated repairs, you would be then looking for a contractor anyway, so get a head start by calling your selected contractor to get onto his work schedule as soon as possible.
With this recent disaster, it could be months, before all of the homes are repaired, and yours could be one of the last ones being repaired!
Contractors are coming into our area also, from out of state, and then of course there will be the illegal contractors that will take money and not intend on doing the repairs as well.
Get your contractor from an established and local company that you can trust the work to, and that will be here later after the repairs are completed, in the case of any required future service that may be needed.
Demand permits be obtained by the contractor also. See separate article about "Do I need a permit" at this website.
I know this only make sense, but you should verify the contractor with the BBB and with LLR who will verify the contractor is or is not licensed at this time with the State of SC.
So don’t be fooled by a contractor saying to “look us up in Tennessee on the BBB for example, because they will be returning to Tennessee afterwards!
Don’t be fooled by someone PRETENDING to be with a local contractor either!
This is a time of Buyer Beware, and you must be careful with your selection of your contractor!
Our company BBB listing is at this link-
Search other business at BBB locally at http://www.bbb.org/columbia/
LLR direct link- Select “Residential Builders” for home repairs,
or “Contractors-Commercial” for business repairs.
Verify that the phone number you are given is their true phone number also. The fastest search is using the Contractor’s License Number. All Pro Improvements license number is 23265 as a Residential Builder.
Contact us today by phone 798-4486, or email us at Mac@AllProSC.com
See the video at Left above to learn more about the types of claims we handle?
Do I Need a Building Permit Link http://allprosc.com/what-expect/do-i-need-building-permit