When a widespread storm damages a large region of residential areas, you, as the homeowner will have the choice of which contractor you will hire to perform the repairs. You can select a local contractor that simply performs the type of work you will be making a claim for or you can hire an out-of towner that specializes not only in the work you need to have done, but also in the insurance claims process.
Fortunately, there is also a third option as well. Chances are, you can find a contractor that specializes in insurance restoration without hiring someone based hundreds of miles away. The best contractor for your homeowner claim project may not be right around the corner, but they might be closer than you think.
We recommend that you call a qualified contractor before you submit an insurance claim, unless your claim involves an emergency type of situation. Hiring someone that is familiar with the type of work that you need is simply not enough. If the contractor is not familiar with how insurance companies operate, your contractor will be worthless to you during the claims process.
Sure, he may know how to perform the repairs properly and he may be reliable and fully qualified. But, if you never receive enough money form your insurance company to perform proper repairs, your contractor simply will not be able to perform the repairs within the insurance scope of approval.
Insurance restoration contractors are contractors that specialize in repairing storm and other damage caused to homes. Some examples of these types of contractors are hail and wind damage contractors, fire restoration contractors, water damage and cleaning contractors, emergency repair and board-up contractors, the list goes on.
If you can, you should hire a contractor that specializes in performing YOUR insurance claim repairs. Contractors that specialize in insurance work are not only familiar with the repairs that will be performed, but also the insurance process, helping you maximize your insurance claim and explaining to you the most likely insurance approval outcomes.
The problem is that many people think that they have to enlist the services of a national storm chasing outfit in order to get that level of expertise. But, insurance repair contracting is a growing niche industry. So, chances are you can find a contractor within a reasonable distance from where your house is located.
Remember that out of town and out of state contractors are not bad or evil. National storm chasing companies are not necessarily a bad way to go. But, some people feel more comfortable knowing that their contractor won't be halfway across the country within 6 months of completing their project.
Fortunately, there is a growing number of localized contractors that may travel a bit more than the typical local contractor, yet still operate within a given radius of where they are based. These contractors may travel within their entire state or perhaps across 2 or 3 states, but only certain portions of each. These contractors are localized enough in that, as long as they are in business, they will be close enough to easily honor warranty services should any arise.
Again, these localized insurance restoration contractors may never be as local as your neighbors brother-in-law, but they will be able to help you immensely with the claims process and are still at least somewhat local to you. So, you can get the best of both worlds: help with your claim/project with a localized contractor.
By Joseph Dylan