You had a fire, Now what do you do?
The insurance adjuster will want you to sign a contract with a local restoration contractor that he works with daily. Why is this bad? Why should you control the money?
The local contractor will tell you that if you sign with him, he will work with the adjuster and get paid from the insurance company directly. In other words the adjuster and the contractor control the money. This is never good says Troy Payne.
Your policy explains that you present your loss to the insurance company. They then must pay for the repairs to return you to the exact position you were one second prior to the fire. That means no smoke inside your walls. The adjuster will want to save things. The contractor he recommends will go along with this because he gets multiple jobs a week from the insurance company so he has to go along with the adjuster.
If you make changes to your project, you want granite tops in the kitchen in-lieu of the Formica you had the contractor will charge you extra. But if you CONTROL the money you can save in one place and spend extra in another.
We will meet with you free of charge and educate you as to the process, explain to you the do’s and more importantly the DONTS!
We will review your policy with you free of charge. After our consultation if you feel you need our help we will be glad to assist you. If you feel you can handle the claim yourself you will be better educated to do so
Time is very important! Take the time to learn and contact us to meet with you.