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June 29, 2011

Build Trust: Not Just Words. Plus, Tips for Filing Claims

When storms roared through east Tennessee this spring with crushing winds and damaging hail, many of our former clients simply informed their insurance companies that Hickory would be handling their storm repairs and restorations.  While we are honored by their trust in Hickory Construction, we are reminded that trust builds the best relationships. If you are faced with filing an insurance claim for property damage to your home or business, we are happy to offer helpful tips to keep in mind:

  • Make sure to keep the name, address, and phone number of the claim representative handling your loss.
  • Get a detailed estimate of the scope of damage to your property and the cost of repairs from your insurance adjuster.
  • Depending on the complexity of the repair, your insurance provider may or may not include an allowance for general contractor’s overhead and profit.
  • Hire a local contractor.
  • Hire a contractor of your choice.
  • Contractors do not work for your insurance provider, they work for you.
  • Your insurance provider should not authorize any contractor to begin work without your authorization.
  • Your insurance provider cannot guarantee the quality, or time frame of work done by contractors
  • If you are unable to work out an agreement with your insurance company, you have a right to file a complaint with the Tennessee Department of Commerce & Insurance by calling policy holder service section at 1-800-342-4029.  Here is another link to helpful information.

Meanwhile, if you have questions about hiring a general contractor, contact us.

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