Insurance Repair Claims

When you have made an Insurance claim for your property, you need a construction contractor to help rebuild your property and one that understands the insurance process. If you have had impact damage from a vehicle or storm debris you will need immediate help shoring and tarping your property. It is your responsibility to stop the loss and you are expected to do this even before the adjuster arrives.

Beware Who You Hire

Make sure you hire a restoration contractor with construction expertise. Most are carpet cleaning experts that sub-contract all of the construction to other companies. Make sure the crew opening the walls and trims do so without causing more damage elsewhere by not thinking the action through. Sometimes expensive items can be saved by opening the other side of a wall.
Make sure you talk to the actual company doing the work. Many websites lead you to national franchises and your local franchisee may or may not have the expertise you are looking for.

Ask your contractor the following questions before you sign a contact:

  • Do you have and use the Xactimate Estimating Software?
  • How long have you been doing business in Tulsa? Many storm chasers come into town and then disappear as soon as the work is done. This leaves you with no one to do warranty work. (Hint: Ask to see the driver’s license of your salesman or walk to the back of the vehicle and check out the license plate).
  • What is your expertise in?
  • When you started your business, what did you do?
  • What awards and certificates do you hold?
  • Are you a member of the Tulsa Chamber of Commerce?
  • What is the physical address of your business?
  • What is the “land line” phone number (not just a cell number) of the business?
  • Can you provide me (homeowner) with General Liability Insurance of at least 1 Million in coverage?
  • Can you provide me (homeowner) with a certificate of Workman’s Comp
  • Insurance? (If they tell you they are exempt – Move On – You cannot be exempt if you have helpers and rebuilding your house takes more than one person)
  • Can you provide me with active roofing license number if any roof work is to be done?
  • Do you have employees that will be on my jobsite?
  • How many sub-contractors do you have and what for?
  • Will I have an on-site supervisor that can make decisions?
  • Can I make selections and upgrades during the construction process?