Few tips to look for on standard contracts for your protection.
1) Make sure that your work scope is spelled out and defined.
2) Change orders shall be spelled out in your contract, so you will know how they work.
3) Permits and Compliance with Government, State regulations.
4) Workmanship, matching existing finishes described in contract.
5) Warranty, make sure you receive a written one.
6) Disputes are you offered Arbitration.
7) Payment schedules defined.
8) Does the contractor offer customer references? Is the contractor experienced with insurance damages?
9) Is the contractor qualified and have over 10 years experience?
10) Is the contractor insured for your protection and will they additionally Insure you?
Few Recent Examples:
* All projects are unique and have different characterizes to consider. We handle all types of projects from small to large.
If you answered no to any of the above questions, then I can be of assistance to you. I will be glad to come out and assess your loss as if your claim were assigned to me as your adjuster and enter into negotiations at No Charge if granted by you as your agent to make sure you are provided a fair claim settlement that adequately covers the cost of all of your repairs due to my experience in restoring properties or I can just provide a estimate for your repairs with no initial representation as we also do non related insurance work as well at a great value. Would you rather fight the Insurance Company by yourself or have an experienced contractor like DFW Build Remodel on your team that favors you!
I am not a Public Adjuster I am a contractor with 20 years of experience and I do not believe you should have to give up any part of the money provided in your loss settlement from your Insurance Provider that you will need for the cost of your repairs to a Public Adjuster. You have the right to choose your contractor based on quality, qualifications. If allowed to, the Insurance Company will likely choose the cheapest price to re-build- restore your property back which is not in your best interest.
Since it is my sincere desire to help Homeowners, during a difficult time in their lives, obtain a fair settlement for the cost of their repairs without them having to give up any of those dollars, I have a proficient & economical approach “Value Engineering Repairs” that in many cases is a lower cost than the insurance payout that you receive. DFW Build Remodel Company is even able to absorb your deductible (depending on the size of your loss) so you ultimately have no out of pocket expenses!
These are just a few of the many ways that we can help you through the process of putting your lives back together. I assure you that I realize how disruptive and traumatic an experience like this can be to people’s lives. I would like to help make this process as painless as possible. I can also assure you the prompt and professional service you deserve, so call us today so I can minimize your displacement time from your home/business.
Please accept our condolences for your loss and feel free to contact me any time, day or night, if we can be of any service to you.
File Your Property Claim
If you need to file your property claim you can do it online by clicking on the links that corresponds with your insurance company. We will work with ALL insurance companies, not just the companies that are listed here. For more information, please contact us today.
|Allmerica ||800-628-0250 |
|Allstate ||800-54-STORM |
|American Family ||800-374-1111 |
|Atlantic Mutual ||800-945-7461 |
|Bituminous ||800-475-4477 |
|Farmers ||800-435-7764 |
|Fidelity National ||800-220-1351 |
|Fireman's Fund ||888-347-3428 |
| Foremost Insurance Co ||800-527-3907|
|Grange ||800-445-3030 |
|Harleysville ||800-892-8877 |
|Hartford ||800-243-5860 |
|Liberty Mutual ||800-2CLAIMS |
|Metlife ||800-854-6011 |
|Nationwide ||800-421-3535 |
|OneBeacon ||877-248-4968 |
|Ohio Casualty ||800-366-6446 |
|Safeco ||800-332-3226 |
|Selective ||866-455-9969 |
|Shelter ||800-SHELTER |
|State Farm ||800-SF-CLAIM |
|Travelers ||800-CLAIM33 |
|United Property & Casualty ||800-861-4370 |
|Vanguard Fire and Casualty ||866-928-4310 |
|Wausau ||800-266-2800 |
The Importance of Property INSURANCE CLAIMS for Owners
You have the right to be treated fairly and honestly when you make a claim. If you believe an insurance company has treated you unfairly, call TDI at 1-800-252-3439 (463-6515 in Austin) or download a complaint form from the TDI website at http://www.tdi.state.tx.us. You can complete a complaint form on-line via the Web or fax it to TDI at 512-475-1771.
You have the right to reject any settlement amount, including any unfair valuation, offered by the insurance company. You have the right to have your home repaired by the repairperson/contractor of your choice.
The insurance company must tell you in writing why your claim or part of your claim was denied.
You have the right to refuse to provide your insurance company with information that does not relate to your claim. In addition, you may refuse to provide your federal income tax records unless your insurer gets a court order or your claim involves lost income or a fire loss.
When you file a claim on your own policy, you have the right to have your claim processed and paid promptly. If the insurance company fails to meet required claims processing and payment deadlines, you have the right to collect 18% annual interest and attorney’s fees in addition to your claim amount.
Generally, within 15 calendar days, your insurance company must acknowledge receipt of your claim and request any additional information reasonably related to your claim. Within 15 business days (30 days if the company reasonably suspects arson), after receipt of all requested information, the company must approve or deny your claim in writing. The law allows the insurance company to extend this deadline up to 45 days if it notifies you that more time is needed and tells you why.
After notifying you that your claim is approved, your insurance company must pay the claim within 5 business days.
If your claim results from a weather-related catastrophe or other major natural disaster as defined by TDI, your insurance company may take 45 additional days to approve or deny your claim and 15 additional days to pay your claim.
Often an insurance company will make a claim check payable to you and your mortgage company or other lender and will send it to the lender. In that case, the lender must notify you within 10 days of receipt of the check and tell you what you must do to get the funds released to you.
Once you request the funds from the lender, within 10 days the lender must: release the money to you and your contractor; or tell you in specific detail what you must do to get the money released.
Insurance Claims Questions
IN ORDER TO START THE CLAIMS LOSS PROCESS, OWNER MUST FIRST FILE A CLAIM WITH THEIR INSUARNCE COMPANY.
DFW BUILD REMODEL’S BENEFITS VERSE A PUBLIC ADJUSTER?
P.A. charges a flat fee of 10% of the amount to only negotiate the total amount that you receive from the insurance co in order to restore your loss, DFW Build Remodel negotiates with your insurance company at “No Charge” and DFW Build Remodel restores/rebuilds your home/building quickly and efficiently! Or we can give you a great estimate without representing your claim as well.
CAN MY INSURANCE COMPANY CANCEL MY POLICY AFTER A HAIL AND OR NATURAL ACTS OF MOTHER NATURE OCCURS?
An “Act of God” and or “Mother Nature” is not grounds for cancellation.
IS THERE A DEADLINE TO FILE A CLAIM AND TO COMPLETE THE IMPROVEMENTS?
There is generally a 6 month or 1 year statute of limitations to file a claim and complete the Improvements, refer to your policy. “You may have Roof and or other property damages that you may not be unaware of.”
DO I NEED TO GET 3 ESTIMATES FOR MY INSURANCE COMPANY?
No, you have the right to choose your contactor based on quality, qualifications not price. If allowed to, the Insurance Company will likely choose the cheapest price which is not in your best interest.
WILL I HAVE TO PAY OUT OF POCKET?
DFW Build Remodel works for the (Insurance re-construction proceeds) in some cases less than insurance proceeds. We are also experts at evaluating and securing supplements from insurance companies for legitimate losses that may have been unforeseen during initial inspection. We guarantee there will be no cost above your work scope unless you add additional work and or any supplements above the original loss work scope arise.
WHAT IF THE INSURANCE COMPANY DID NOT PAY FOR MY ENTIRE, ROOF AND OR PROPERTY LOSS?
You are entitled to a Re-inspection on your property from your insurance company with a DFW Build Remodel representative. We will work with the adjuster to (make sure all of the necessary work is included in the work scope.
WHEN CAN DFW BUILD REMODEL START MY JOB?
Once we have settled with the insurance company and or if you decide to pay to get project started until your insurance company reimburses you back, typically within two weeks or less, some cases sooner.
WHY SHOULD I HAVE DFW BUILD REMODEL REPRESENT ME AT THE MEETING WITH THE ADJUSTER?
Because by having a qualified DFW Build Remodel Representative meeting and working with your adjuster, this ensures that the home owner shall receive a fair claim settlement. Remember the adjuster works for the insurance company, and DFW Build Remodel works for you! We make sure the loss is covered from A-Z this means “NO OUT OF POCKET MONEY” less any deductible.
DFW Build Remodeloffers these items and then some!
There are three types of insurance coverage. Replacement cost coverage pays the cost of replacing your property regardless of depreciation or appreciation. Premiums for this type of coverage are based on replacement cost values, and not based on actual cash value. Actual cash value coverage provides for replacement cost minus depreciation.
Extended replacement cost will pay over the coverage limit if the costs for construction have increased. This generally will not exceed 25% of the limit. When you obtain an insurance policy, the coverage limit established is the maximum amount.
The insurance company will pay out in case of loss of property. This amount will need to fluctuate if homes in your neighborhood are rising; the amount needs to be in step with the actual value of your home. In case of a fire, household content replacement is tabulated as a percentage of the value of the home. In case of high value items, the insurance company may ask to specifically cover these items separate from the other household contents. One last coverage option is to have alternative living arrangements included in a policy. If a fire leaves your home uninhabitable, the policy can help pay for a hotel or other living arrangements.
Our team has handled over 900 property loss claims Water • Fire • Wind • Storms and Earth Quakes including the Restoration - Reconstruction process with over 20 years experience in Building * Remodeling • Restoration, Repairs as well as working with Insurance Companies • Adjusters for Policy holders benefits for many years.
1988 Whittier, CA Earth Quake 1989 • Sierra Madre, CA Earth Quake • 1993 Malibu, CA Fires • 1994 North Ridge, CA Earth Quake • 2005 New Orleans, LA Hurricane Katrina • 2008 Hurricane Ike Houston, TX • 2009 Oklahoma City, OK. Currently Dallas, Texas 2001-2011
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