frequently asked questions

Should you have additional questions we have not covered, please call our office at 401-437-9111 and one of our restoration professionals will assist you

Your safety, and that of your loved ones, should take first priority. Exit the property immediately if there are any signs of structural damage or other dangers. Next, contact your insurance carrier and a qualified restoration company like Alliance. Your insurance carrier will explain your obligations to secure the property and address the source of loss, as well as help you file a claim, should you choose to do so. The restoration company will help you to secure your property and begin the restoration process.

We strongly advise you NOT to reenter your property following a fire or significant storm damage event. In the event of a fire, the fire department will indicate if and when it is safe to do so. They will assess the structural integrity of the dwelling as well as any other safety hazards that may be present, such as dangerous particulate matter in the air. If you notice any structural damage in the wake of a storm event, such as cracks, sagging or other signs of deformation, we urge you to evacuate the property immediately and contact a qualified restoration company, like Alliance. We can assess the damage and take the needed steps to secure the structure.

The decision of whether or not to file a claim is ultimately yours. If helpful, we can refer you to a license insurance professional for advice.

Home insurance policies typically cover damage events that are sudden, accidental and one-time in nature. However, specific coverages and coverage limits depend on how your policy was underwritten. We can provide you with information based on our past experience though you will need to confirm coverage with the insurance adjuster assigned to your loss.

A restoration company, like Alliance, will provide your adjuster with an estimate for all restoration services prepared using a carrier-approved software tool. In the case of reconstruction services, once a settlement is reached with your carrier they will pay you directly and you will pay your restoration contractor. In some circumstances, the restoration company and your mortgage company may also be named signatories on any checks you receive.

Unless there are coverage concerns, or you elect to make upgrades to your property, then typically the only out-of-pocket expense will be your insurance policy deductible.

Any “emergency service” required to address your loss, such as boarding up windows, tarping the roof, extracting standing water and placing drying equipment, can begin as soon as a work authorization is signed and we can bill your insurance company directly for these services. The cost of subsequent reconstruction services must be approved by your insurance adjuster in advance. Once a settlement has been reached, your carrier will typically pay you directly, providing the funds to pay your restoration contractor.

In the event of a property loss emergency, such as burst pipe, a qualified restoration company like Alliance will assess the likelihood that your loss is covered and can begin emergency services as soon as a signed work authorization is obtained. Then, once the emergency services are complete, we will invoice your insurance company directly. The next step is to estimate the cost of reconstruction and reach a settlement with your insurance adjuster. Once settled, your insurance carrier will begin providing funds to complete the reconstruction. In order to ensure that the funds are put toward the construction, insurance carriers will often hold back part of the payment and require evidence that all of the construction scope had been completed before issuing the final payment. We can help you to reach a settlement with your adjuster as well as perform all of the reconstruction services. We can also help you provide the necessary documentation to have all of the settlement funds released by your carrier.

First, there’s the insurance agent who sold you your policy and will help you to file your claim. Next, your insurance carrier will assign an adjuster to assess the damage and work with a restoration contractor like Alliance to agree the scope of work, settle the claim amount, and issue the funds. Finally, we will repair your damaged property, coordinate payment with your insurance carrier, and keep you updated on both fronts.

This really depends on the extent of the damage and the time required to reach a settlement with your insurance carrier. We can advise you on the likely timeline of your particular project based on our past experience. There are a few things you can do to avoid delays in getting your property restored including, promptly engaging with a qualified restoration company like Alliance, making your property accessible for construction work to progress, and making any
building material selections in a timely manner.

Yes. You can certainly make upgrades to your property during the reconstruction process. We can help you to scope these upgrades and estimate any out-of-pocket costs required to fund them.

Not at all. The choice of which restoration company to work with is completely up to you.

A work authorization is a simple contract that allows your restoration contractor to begin providing emergency services immediately and to bill your insurance carrier directly.

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