Frequently Asked Questions

Of course, they will help you to the best of their ability. In the event the insurance adjuster doesn't provide you with a reasonable outcome, your agent may or may not know what to do next. Remember that the insurance agent's primary job is to sell insurance to their customers and service their clients to the best of their ability. In most cases, the insurance agent doesn't have anything to do with adjusting (settling) the claim. This is the job of the insurance adjuster. If you are unhappy with the adjuster's decision, you can definitely call your agent, and most agents will do whatever they can to help, but the help they can provide you with will be limited. This is where we can really help. Our team of experts will be able to assist you and or your agent to evaluate your situation and connect you with the appropriate industry professional. Your agent can definitely be your best friend proactively by providing you with good insurance. The best defense is always having a good offense. Be sure to buy insurance from someone you trust and make sure to buy a more premium product. Trust me, homeowners insurance is not the place to try to save a buck. If you would like us to connect you with a fantastic insurance agent that will make sure you have all the coverage you need, please fill out this form: Job inquiry form

 Yes, you should call a contractor to either tarp the damaged area or make some temporary repairs to mitigate your damages. Before that happens, be sure to take a few photographs of the damage and make a few notes about what happened. The contractor may or may not be familiar with dealing with insurance companies and assessing storm damage. It is very important that you are dealing with a storm damage professional if you plan to file an insurance claim. If you are not sure what to do, we can help evaluate your situation and provide guidance on what you should do next. If you would like to be connected with one of our insurance restoration industry professionals, please fill out this form: Job inquiry form

Maybe. Just like everything else in the world right now, there is a shortage of insurance adjusters. Because of the labor shortage, many of today's adjusters don't have a lot of experience and are overworked in general. Sometimes, the adjuster that gets assigned to your claim may have been dispatched to your location from a different state. Building codes and other laws that play a contributing factor are different from state to state. If the adjuster is not familiar with the codes in Ohio, they may not even be aware of the codes he must follow. OAC 3901-1-54 is the main rule that must be followed in Ohio. The insurance company they represent may have an 'initially approve repairs only' policy. For example, if the adjuster feels that your roof should be fully replaced, they will have to follow company procedures whether they agree with it or not. Different insurance companies have different procedures, and some insurance adjusters are more experienced than others. Wherever you are in the process, we can help. To have one of our industry experts evaluate you situation, please fill out this form: Job inquiry form

Toledo has pretty stable weather compared to many other areas of the country. Due to that reason, there is not a large need for many insurance restoration professionals in this area. It's really all about supply and demand. These types of industry professions are very common in states like Florida, where extreme weather is much more common. Not only does Florida have a high frequency of thunderstorms but also experiences tropical storms and hurricanes. The same would apply to states like Texas and Colorado because both of those states get large hailstorms. Toledo does have occasional thunderstorms that bring high winds and hail. If your property is damaged during one of those storms and the adjuster denies your claim or approves repairs only, you are going to be hard-pressed to find answers or help. Until now, that is; we can help you no matter where you are in the process. To have your situation evaluated, please fill out this form: Job inquiry form

This is exactly what will most likely happen initially. Insurance companies in most states have the 'right to repair' first. The fact of the matter is, repairs are good. If you are approved for repairs, this means you have coverage. Once the coverage door has been opened, an industry professional should be able to get additional coverage and possibly a full replacement if that is the correct solution. This is where knowing state laws, local building codes, and manufacturer install specifications are the key to additional coverage and victory. The other side of the coin is that, in many cases, if there is no restoration professional involved, the claim will never go past the repairs stage. This is because most consumers and contractors will not have the knowledge required to advance the situation. This is the reality a large majority of the time. If your property was damaged during a storm and you need some guidance or help, please fill out this form and our team will evaluate your situation: Job inquiry form

The best thing to do is to have a property damage expert inspector evaluate the damages. Most people that assess the initial damages miss things that should be taken into consideration because they don't do a thorough enough inspection. The entire property should be fully inspected, even if damages are not visible. There are many key things that need to be taken into consideration. The age of the roof is one of them. Once the roof becomes brittle, proper repairs, in some cases, are no longer possible. Matching issues are also important to take into consideration. You should never have to settle for unsightly repairs that will ultimately affect your property value. The inspector should have a very good understanding of all laws that may apply in addition to the local building codes and manufacturer install specifications. If you would like us to evaluate your situation or pair you with the correct industry professional, please fill out this form: Job inquiry form

This is a tough question to answer. Yes, your insurance rates could go up. However, generally, you can't be singled out for a rate increase (in many states but not all). If the insurance company is going to raise rates due to a storm, they have to raise the rates of all policyholders in the affected region. In most cases, the claim would not count against you because there was no negligent component. What I mean by that is there was nothing you could have reasonably done to prevent the storm from damaging your property.

Here is an example of a claim that could raise your rates. Let’s say that you were texting on your cell phone as you were pulling into your driveway. Because you were distracted, you crashed into your garage door. The claim would still likely be covered because the damage was sudden and accidental. However, there was an element of negligence in this situation. Had you not been distracted, you probably wouldn't have crashed into the garage door. This is a good example of a claim that would be more likely to cause a rate increase.

There are many situations where you could have problems later in the claim that would require an industry expert's help. Let’s say that the insurance company has agreed that the damaged item (roof, for example) needs to be fully replaced. The insurance adjuster has provided you with an estimate that they created. However, their estimate is thousands of dollars less than even the lowest estimate you have received from a contractor. You inform the insurance company that this estimate is not enough to cover any of the contractor's estimates. They may say that, in their opinion, they have paid you correctly for the claim. This is a perfect example of where you would need an industry expert to help you resolve this situation. If you would like us to evaluate your situation or pair you with the correct industry professional, please fill out this form: Job inquiry form