A: Have a free inspection with a reputable, certified SDS contractor who will work with your insurance company to ensure you are treated fairly.
A: SDS Contractors provide homeowners with no cost property damage inspections and no-obligation repair estimates.
A: No. Storm damage is almost always a named exclusion in manufacturer, home builder and contractor warranties, which are designed to cover problems with materials and workmanship, not storm damage, or factors beyond control.
A: The cost to repair your home can vary, depending on the extent of the damage, cost of materials and cost of quality installation by a reputable contractor. If you are filing an insurance claim, and approved, you will never pay one dime more than your deductible for approved damage replacement.
A: Yes. Storm Damage Services has an Alliance of reputable contractors, who are licensed, insured and commit to a strict Code of Ethics designed to protect homeowners.
A: Peace of mind. If your home is damaged, you may have a short time to file an insurance claim. Since your insurance company limits the amount of time you have to file a claim it is important to get your claim approved and repairs scheduled as soon as possible.
A: In most states, insurance companies are prohibited from singling out any one homeowner for a rate increase based on an “Act of God” damage claim, which includes hail, wind, tornado and hurricane storm damage claims. However, if a storm has impacted your area then most likely your insurance company will raise all rates and you will be affected whether you file a claim or not.
A: Your deductable should be your only out of pocket expense and a quality contractor will often offer better than before products with warranties at no charge to the property owner.
A: Be wary of door-to-door contractors. If you get an inspection from a door-to-door company, do your research and make sure they are credible, licensed, insured and properly trained. That's why you should use a certified NSCA & SDS referred contractor, we check them out for you!
A: A contingency agreement typically includes two parts, an inspection agreement, which gives the contractor permission to request an inspection from your insurance company and a work-order agreement, which obligates you to use that contractor to perform your repairs if damage is confirmed. There is no need for an estimate unless your insurance company wants it from your hired contractor.
A: The time you have to file an insurance claim varies by insurance company, but as a general rule, most insurance companies require you to file within 12-24 months. It is a good idea to contact your insurance agent or company with any questions regarding your coverage.
A: No matter how much you like your insurance agent personally, it is important to remember your insurance company is in business to make money. We recommend that you call the claims number provided by your insurance company as dictated by your policy. Your Agent is almost never a Claims specialist, they usually have to report the same info to the claims department anyway.
A: You can request 3 separate inspections and re-file a claim that has been denied. Make sure a trained reputable NSCA contractor is present during your next inspection. An experienced contractor can often help get your claim approved, even if it has been denied previously.