RESIDENTIAL AND COMMERCIAL CLAIMS

When I climbed the driveway and barely made out my home among the smoldering ashes, I cried and cried!” Total loss or not, a home or business fire can be devastating.
First, is everybody ok? Then, restoration, reconstruction, tear outs, demolition, smoke, soot, odor removal, structural rehab, personal contents, loos of use, loss of income. It can be overwhelming. Call us first and we’ll make the road back less stressful.

Damage from these natural phenomena can be enormous leading to total losses or as small as some mold in the attic. Either way, many homeowners and business owners either don’t know how to navigate the insurance claims process or don’t really know the extent to which the damages have spread or can spread. This translates into less money needed to repair the problem. Further, rarely if ever, does the insurance company tell you what you’re entitled to.

Sometimes pipes burst. The insurer typically covers the damage done as a result but often do not cover the pipes themselves and all the labor required to replace them.

Many homes lose shingles due to a storm. Doesn’t seem like much but a couple of months later, a leak appears. The leak causes secondary damage. Many people are afraid to contact their insurer because they feel that by not taking action immediately, they forfeited their right to submit a claim. We can help.

Sometimes ceiling cracks result from the home settling but other times they can represent something entirely more sinister. Is it wind, rain or pressure? We can help you determine exactly what’s happening and let you know if you have coverage.

Accidents happen. Most homeowners cover for it. Be it from bursting pipes or answering the phone (and talking tooooo long), in most cases, you’re covered.

Homeowners insurance typically covers mold damage if it was caused by a “covered peril.” Check out your policy. It’ll tell you what’s covered and what’s excluded. If the mold growth could have been prevented the insurer will take a tougher stand against you.

Do you have flood insurance? Flooring damage from flooding is considered for reimbursement if the damage was caused by water after it touches the ground. Homeowners insurance typically covers damage from wind and rain. However, if it’s from wear & tear, you’re out of luck. They won’t replace them. We can help you KNOW what the damage is likely coming from.

It All depends…..Do you have an open-peril policy or a named-peril policy? Just by the name of the type of policy, you can guess which one you would need if let’s say, little Johnnie hit a baseball through your window. Hint: they don’t give stray home runs names.