We don’t work directly with or for insurance companies because:
- Insurance companies tend to require extra time (and so generate more administrative costs) dealing with their processes and paperwork. Time they are unwilling to compensate us for.
- Insurance adjusters typically underestimate the cost of restoring the property to the condition our clients desire and to the quality we are known for providing. They seem to us to generally be willing to accept shortcuts and lesser quality work than is our standard.
- Insurance companies are notorious for taking their time paying for the work remodelers do. This means we end up financing the projects, sometimes for long periods of time while the payments process through the insurance company systems. They make money on the delay in paying us, at our expense.
To help our clients with insurance claims
So that you can submit a claim to your insurance company for reimbursement, we provide you with standard and reasonable documentation of what we will do and did do, including plans, services, materials, invoices, etc. However your insurance company:
- May or may not be willing to pay what it costs to do the project properly and to the quality level you desire. If they don’t, you will have to decide to pay the cost difference or do it to their level of quality.
- May or may not pay you in a timely manner. We will provide you with a clear schedule of what needs to be paid for and when. We can not do good work and also wait for your insurance company to pay you. You will need to pay for the work we do on the schedule we both agree to.
We credit our estimate fee towards the cost of the project.
We charge a nominal fee for estimates which we credit to the cost of the project if we perform the work.