Insurance Repair and Restoration
Is your property in need of repairs due to recent damage caused by anything as small as a leaky pipe or as huge as a house fire? Plumbline Construction will guide you through every step of the process of getting your home back to the way it was or even better!
Dealing With Disaster
Surviving a disaster such as a fire, flood, or hurricane with damage to your home is without a doubt a devastating experience. There are so many actions that need to be taken as quickly as possible to protect what remains, prevent further property loss, and then rebuilding back to livable, pre-disaster conditions.
After such a tremendous loss, reassurance comes from having clear guidance and care in the steps following the tragedy. We provide not only professional and experienced restoration services, but we also provide support when dealing with the insurance agency.
Plumbline is a full service company equipped with caring, talented professionals that will help you every step of the way, from the very first contact. Don't hesitate to give us a call at 804-218-5820.
First Steps to Take
First, call your home insurance provider. They will tell you what they need from you in order to get things moving. Start saving reciepts and document any related expenses. This information will be needed by your insurance to make an accurate claim. If you are not insured, try contacting community groups for aid and assistance.
Next, call a professional contractor with experience in disaster cases. In the case of a fire, they can inspect the property to determine if it is safe for you to enter the building (do not enter until it is determined safe to do so). If your home has been rendered unlivable by this disaster, your contractor can board up and secure your home during your absence. If you leave your home, call the local police department to let them know the site will be vacant.
Once you enter the property, try to find all of your important and personal documents and keep them in a safe place. You will also want to collect any prescriptions, clothing and personal hygiene items that you will need temporarily. Once you have the chance you will want to remove, clean and store any other items that are salvageable.
Floods, hurricanes, and often times, house fires have water damage in common. Cleanup of water and wet drywall must begin within 24 to 48 hours to prevent mold growth, which can potentially cause more loss.
We're on standby for any emergency
Don't wait for home repair complications to get worse.
What Plumbline Can Do For You:
Make your house a home again
Clean Up and Mitigation
When you call your insurance provider, you should inform them that you have called Plumbline Construction to handle the mitigation and restoration process. This allows them to see that you are taking immediate action. If you wait a week or longer to begin cleanup, it is possible that they will not pay for all damages due to mold growth caused by water left in the home.
Once we are contacted our first step is to begin removing water from the property and install our equipment for the drying process. Before the drying process can be effective we must separate the items that were damaged from those that were not and dispose of properly. The items that are salvageable are put into storage or relocated so we can have an area that is free of personal property.
After we address the contents, we then clean the contents of the property and mitigate the smoke damage (in the case of a fire). As we work photos are taken and provided to you to assist in the claims process. We can document the existing items and finishes in a house, for example, if you had a custom kitchen or higher end wood flooring.
Assess and Address the Damage
Once any wet drywall has been removed, an insurance adjuster will come to the property to do an inspection. When the adjuster comes out we like to meet with them so they have details of all the work that was completed and to evaluate the full scope of loss. If we do not have the chance to meet them at the location we will share our notes and pictures with them to ensure that they pay every dollar that is owed to rebuild.
After inspection the adjuster will send you his estimate. We will evaluate the estimate to confirm that we agree with the items and costs that are on the list. After we have the estimate negotiated we can start on the rebuilding process. It is during this process that we bring the property back to pre-loss condition. The only thing you are responsible is for is your deductible!
Once the initial steps have been taken and all of the damaged/contaminated materials have been cleaned, relocated, or removed entirely from the home, our team will work with you to make sure that your home is brought back to just the way it was, or even better. We'll scour every surface, corner, beam, and pipe in your home to ensure that any further damage or hazards are properly dealt with. If additional damage is detected during this process, we will be sure to inform you immediately so you can contact your insurance provider.
Guidance and Aid With Insurance
We understand that the paperwork and communication with your insurance provider can be time consuming, and sometimes frustrating and difficult. At Plumbline Construction, we have trained professionals that understand insurance companies inside and out. We can walk you through everything and help with any negotiations that may arise during the process. We'll help you break down all of that legal jargon in your policy so you have a better understanding of what your policy does and doesn't cover.
You deserve to be treated fairly. Honesty and transparency are fundamental to us, and our top priority is YOU!
FAQs About Wind & Tree Damage
- Plumbline Construction is contacted directly by the homeowner regarding the damages that have occured.
- Plumbline Construction makes an appointment with the homeowner to inspect the damages.
- An estimator from Plumbline Construction inspects the home and completes a thorough and detailed estimate to present to the homeowner. We may forward the estimate to the insurance adjustor if required or desired. Often times, an adjustor from your insurance provider may be sent to the property to estimate the costs of repairs as well.
- After the scope and pricing is agreed upon, a work authorization/construction contract is signed and Plumbline Construction can begin working on your home.
- The homeowner is typically responsible for paying the deductible. The deductible may be taken out of the payment made to the homeowner. The homeowner would then pay Plumbline Construction that portion of the contract. Often times, your insurance provider will include the name of the mortgage company on the check to the homeowner. We will work with you to get the appropriate endorsement on the check from your lender.
Every detail of your policy should be laid out in a document that you may have recieved when you signed up for the policy. Otherwise, your adjuster can provide this documentation to you. It's not always easy, but we recommend reviewing your entire policy and asking your adjustor about any details that seem unclear to you. This will help in the event that your insurance provider attempts to deny coverage for something that is clearly written in your policy.
We know insurance companies inside and out. We are masters of negotiation and are happy to work with you to make sure you're getting everything you're entitled to on your policy.
It's not uncommon to discover additional damage that wasn't immediately visable during the initial inspection. Supplements are estimates created for the extra cost when additional work is discovered during the repair processs. Your Plumbline Construction estimator must submit a supplement to the insurance company for their approval.
Usually this is possible, especially if you ask your Plumbline Construction estimator before the contract is drawn.