My property suffered damages. What should I do?
You should report the damages to your insurance company as soon as possible. If the damages occurred or are discovered during non-business hours, your insurance company may have services available 24 hours a day to accept claims calls and discuss the claims process with you. If you do not know the claims number for your insurance company, contact your insurance agent to report the claim and have the claims process initiated.
I contacted my insurance company or Agent and reported the damages or left a message. Now what should I do?
If you spoke with someone at your insurance company or Agent’s office, they may have provided you with names of some restoration general contractors.
If your insurance company has not contacted a restoration general contractor to assess the damages to determine if emergency services are warranted, you could make that call yourself. Your insurance policy is a contract that explains the duties of the insurance company and also the duties of the policyholder following damages. As the property owner/policyholder, you have fulfilled a primary responsibility by notifying your insurance company as soon as possible after the damages occurred. It is now your responsibility to “mitigate” the damages (keep them as minimal as possible) and prevent further damage from occurring.
How do I “mitigate” the damages and prevent further damages from occurring?
Just call Massaro Restoration Services, LLC at 412-599-0023. We are a reputable restoration company that offers emergency services 24 hours a day, 7 days a week, 365 days a year. Having an experienced, knowledgeable company will give you the peace of mind you deserve and your work will be handled in a prompt, professional manner.
Can I contact the company I would like to utilize for repairs, or do I have to have the repairs completed by whoever my insurance company refers?
You can have anyone you want repair the damages. However, please understand that your insurance company will only pay for what is covered, at a reasonable cost, one time.
Therefore, if you have a relative that works in construction, they may tell you they can perform the necessary repairs, but without the experience, training, equipment and specialized procedures utilized by companies specializing in insurance restoration they likely will not perform all that is required to assure all damages have been addressed, such as water penetration in cavities, etc. It is the responsibility of the contractor you choose to prepare a line-item, unit cost estimate of necessary repairs and obtain an agreed repair cost and scope of repairs with your insurance company representative (adjuster).
What if the property is damaged so badly that we cannot work there until after the repairs are completed?
Discuss this with your insurance company representative; he/she will explain if coverage is available for temporary business relocation arrangements.
What is covered under my insurance policy?
This can ONLY be answered by your insurance representative. Restoration general contractors are professionals trained and experienced in restoring damaged properties to pre-loss condition, they are NOT involved in insurance coverages.
How much will the repairs cost me, out-of-pocket?
This can vary according to the insurance coverage you maintain on the property, whether you choose to “upgrade” certain materials, and many other considerations; however, in general, you should expect to pay the amount of the deductible on your policy. The deductible is the FIRST amount applied toward repairs and is deducted from any payments made by your insurance company.
I have more questions; with whom may I speak?
Contact MASSARO RESTORATION SERVICES, LLC at 412-559-0023 and we will be glad to discuss any additional questions you may have about the restoration process.
Have a question? Need our Address? We’re available 24 hours a day, every day, by phone at 412-599-0023.
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