Do I want to wait for my adjuster to come out before you start?
For the emergency work, no. Your number one goal is to stop/mitigate the damages on your property as soon as possible. Documentation (pictures) are key. We will be in close communication with your adjuster at all times so that we make sure everyone is on the same page. Most of the time the adjuster wants the emergency work to be done first before they arrive so they can see the total extent of the damages.
How do I know my claim will be covered by my insurance company?
This is where we come in; documentation is everything. Our team is trained in taking the right photos that your insurance company needs to validate the claim. Your insurance is for sudden and accidental damages. Your adjuster is looking to us for the correct photos and terminology for their reports, so putting us in contact with them as soon as possible is very important.
My friend is a contractor. Can I use them?
Absolutely, but it’s not always recommended. Most contractors do not have enough knowledge to know how to navigate the insurance side of billing, management, and processes. This is a frustrating experience for them and will definitely become a frustrating process for you as well. We see it time and time again. If you do use a personal friend as a contractor, make sure that they know how to use Xactimate® software and that they are okay with receiving payments 30-90 days after completion of the project.
Do I have to be there while the work is being done?
We strongly recommend you be there for the first visit. We need to walk the project with you or a representative so we can both be on the same page. Once contracts are signed we can always set a lockbox, as the project may take several days to several weeks to complete, depending on the extent of damage to your property. We carry the appropriate insurance and can give you a copy at your request. Your project will have our team in and out of it several times during the progress of work. We do not expect you to meet us there every time. However, we will contact you each time to notify you of entry.
What about my personal belongings?
Christian Brothers will be happy to take care of every phase of the job, including any pack-out and storage of your personal belongings. If a pack-out is needed, we’ll send our Contents Manager to your property to walk through the process with you.
Why do I need lead and asbestos testing done?
Per EPA and OSHA requirements, any buildings built prior to 1978 need to be tested before work can be done. Our industry’s standard of practice is to test prior to 1985. This testing is done to not only protect you, the homeowner but also us, the contractor. If coordinated correctly, we can usually obtain samples and results within 24-48 hours.
The water extraction has been completed, why do I need to have dehumidifiers and fans set up in my home if nothing looks wet anymore?
Drying equipment is placed to help mitigate any further damage. Although material may appear dry, using a professional drying company like CHRISTIAN BROTHERS can ensure that affected material is dried out properly.
Can we just dry in place without removing any drywall?
Although there are very few circumstances where we can “dry in place” it is best in most situations to open up the drywall to expose the framing where moisture can get trapped so that drying of affected areas can be properly done to avoid to chance of secondary damage.