Your insurance covers a multitude of natural disasters and other damages to your property. From minor hail damage on your roof to a completely devastated building, it’s essential to work with your insurance company to determine what is and isn’t covered.
An insurance restoration contractor can also assist you with navigating the claim process. This stressful time can be an inconvenient time to navigate claims, speak to agents and review the extent of the damage. Improperly claiming or reporting the damage can result in reduced coverage or a denied claim, so it’s important to work with a contractor who understands the process.
The Restoration Process
Restoration isn’t the same as renovation. Many distressed property owners turn to their renovation team or to a reliable contractor in their area. While these professionals may have the resources necessary to rebuild a property, that isn’t the same as addressing the specific issues related to flooding, fires, hail and other disaster damage.
A restoration contractor has the construction experience you need and the insurance experience you may not have known you needed. A reputable team will walk you through the claim process, discuss deductibles and include these other repair services:
- Mold remediation
- Flood cleanup
- Air quality testing
Your Rights During the Process
Insurance companies may not be completely out to get you, but they are a private business with their bottom line in mind. It’s essential to understand your rights throughout the process in order to get the most out of your insurance claim.
The first thing you need to understand is that, in Michigan, you have the right to choose your own insurance restoration contractor. Most insurance companies have a preferred team of contractors they work with. These contractors may be reliable experts in your area, or they may be more concerned with saving the insurance company money rather than getting the most out of your insurance policy. This can lead to cutting corners, reducing the value of your home and leaving you feeling unsatisfied.
You also have the right to a complete restoration up to the pre-loss condition of your home. This includes major items, like replacing the same value of countertops, appliances and flooring materials, but also small items, like making sure the restoration work matches the color, tone and style of your existing home.
Finally, you have the right to an appraisal if you don’t agree with the claim amount the insurance company provides. Even when an insurance company sends an adjuster, the amount offered may be more conservative than you deserve. Michigan gives you the option of a public adjuster or a restoration contractor to represent you in a settlement. Choosing a private restoration contractor gives you someone in your corner to negotiate for a higher settlement amount.
Insurance Restoration Contractor
There will still be decisions to be made, deductibles to pay and a restoration process to go through before you can have your home back. Thankfully, an experienced insurance restoration contractor can help you navigate this process smoothly and with less stress. Know your rights and know that you can have a qualified contractor negotiate your claim to restore your home to it’s pre-loss condition.