INTERIOR & EXTERIOR
REPAIRS
Whether you have sustained a small amount of damage, or extensive damage, we can help with all interior and exterior repairs.
WE REALIZE IT CAN BE CHALLENGING TO FIND A CONTRACTOR TO COMPLETE YOUR PERMANENT REPAIRS.
ALL AMERICAN STORM TEAM STANDS READY to assist you with your repairs to get you put back to pre-loss condition. We will work with you and your insurance carrier so you have peace of mind.
Let us take that stress from you!
We want to help educate homeowners like yourself on your damages and repairs that will need to be completed, so you are never taken advantage of. FROM OUR EXPERIENCE IN THE CONSTRUCTION AND INSURANCE INDUSTRY, we have seen and heard many HORROR STORIES over the years due to people
misrepresenting themselves and their trades or skill -level.
BEWARE
There are contractors that are misrepresenting themselves as someone who is experienced in mitigation, repair, or restoration of damaged property. They are charging the public and insurance companies inflated and unfair rates to perform PERMANENT repairs and do not disclose the amount of the invoice they submit
to the insurance company. Don't get us wrong, there are also some good,
hard-working contractors that are ethical, and honest, and perform quality work.
5 IMPORTANT QUESTIONS TO ASK
BEFORE YOU HIRE A CONTRACTOR:
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DO THEY HAVE INSURANCE?
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Specifically, you want to obtain a copy of their Certificate of Liability Insurance. Don't take it for granted that this confirms they indeed do have coverage, YOU SHOULD CALL the agent to confirm the policy is in force. You would be shocked if you knew what can happen if the contractor you are about to let into your home is not properly insured. PROTECT YOURSELF! Also ask the agent: Does the contractor have the Added Liability Endorsement that would cover my property if they cause damage?
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WHO WILL BE PERFORMING THE WORK?
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The majority of contractors utilize sub-contractors, and now you need to know if that sub-contractor has insurance. Don't take anyone's word, make them prove it. You need a Certificate of Liability for that sub-contractor, and again, call the agent to confirm their coverage. Make sure you are in control, not your contractor.
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HOW AND WHEN DO THEY EXPECT PAYMENT?
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This has caused more grief and heartache for homeowners. Many times, a contractor has taken deposits, and then disappeared without performing any of the work. This happens especially when you have out of state contractors coming in when disaster strikes. Contractors have even told homeowners they would go to the bank with them to secure the funds, or cash checks. NEVER, NEVER ALLOW THIS! If you have an insurance claim, most generally, a reputable contractor will work with you on the payments. A fair payment agreement is 30/30/30/10 which means a 30% Deposit, 30% when the work is started (and you know materials are in), 30% when the project is 50-75% complete, then the remaining 10% once all is complete, including your 'punch list'.
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BY ALL MEANS, MAKE SURE THERE IS A WRITTEN CONTRACT THAT EXPLAINS WHAT WILL BE DONE. NEVER ACCEPT VERBAL COMMITMENTS.
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IF A PERMIT IS REQUIRED, WILL THE CONTRACTOR OBTAIN, OR DO THEY EXPECT YOU TO DO IT?
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You should insist the contractor applies for any required permits for your repairs. It's a red flag if they refuse, and you may want to steer clear of that particular contractor.
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