Going through a disaster crisis at your home or business carries a certain amount of intimidation. You, the consumer and insurance policyholder, need to take the necessary steps to ensuring that your residence is restored to pre-disaster conditions without having to pay out of pocket.
We’ve outlined the insurance claim process: how to submit your claim, looking at what’s covered, and what Kelmann does to make things easier. A common misunderstanding, however, has to do with who you can hire as a restoration contractor. Do I have to use the contractor suggested by my insurance agent/company? If I select a different contractor will I still be covered? We answer these questions here.
Understand What Is Covered
Ideally, before a disaster strikes, you should know what is covered in your insurance policy. Most homeowners insurance policies cover damage caused by fire and hail storms, and exclude additional coverage such as flooding and earthquake.
Wisconsin is susceptible to strong winds and seasonal tornadoes. Holding adequate insurance to cover any natural disaster will give you peace of mind and save you money in case a natural disaster strikes. Learn more about disaster insurance coverage here.
Restoration Contractors: You Can Choose
Your insurance provider often suggests a restoration contractor, someone from a “Preferred Service Provider” that they have worked with in the past; it’s generally someone they trust who delivers work that the insurance company will guarantee. This, however, does not mean you have to go with their referral. You can select your own contractor and still remain covered by your insurance provider. We suggest you select a contractor with the appropriate certifications:
- Member of the Restoration Industry Association
- Solid rating by the Better Business Bureau
- Member of the National Association of the Remodeling Industry
Also, look at reviews on online from trusted business review sites such as Google+ reviews.
Kelmann is widely recommended by various insurance companies in Wisconsin because of our highly trained, professional staff, and positive feedback from satisfied customers. Select a contractor of similar report, even if they are not recommended by your insurance provider. And remember, always get any guarantees in writing.
Count On Kelmann
Kelmann’s longstanding record with local insurance providers is excellent. We provide top level service, get the job done right the first time, and warranty our work for up to one year, plus any additional manufacturers warranties on all materials. For insurance questions, contact us today at 414-774-3799.