Will my insurance company drop me If I file a claim?
It may happen. However, would you do your business with an insurance company that drops you off after you've filed a valid claim? Other equally or more reputable companies will be willing to cover you upon performing the renovations.
Will my insurance premium increase?
It Might. Regardless of whether you file a claim, it will randomly hit all homeowners. Typically insurance companies will keep you and lower your rates upon fixing your roof.
What if my insurance company denies my claim?
It's part of our process. We work with our preferred public adjuster, who can re-open a denied claim (depending on when it was denied). We will overturn them depending on if the property has enough damages.
What if I already have an open claim?
Our company can evaluate the claim and see what the carrier has missed. Our goal is to make them pay for every line item that they won't include, which Chip Builders needs to bring the property to current building codes.
What if I have a lawyer already?
We will provide the contractor package, including our estimates and inspection report to the lawyer. We will provide a scope of work for them while they prepare to settle the claim.
How many claims can I file within a calendar year?
As long as you have homeowners insurance and you're not constantly filing claims for minor repairs, there's no limit to how many claims you can file. Roofing, Mold, Plumbing, sinkhole, collapsed drains and even fire are examples of multiple claims that could be filed if there are issues.
What if my company says I don't have any damage?
It is not a surprising practice. It's in the Insurance Co.'s best interest to save the money by either denying coverage or temporarily repairing the damages.
What if my insurance company pays partial (or small) payments?
Our goal is to get proper documentation that follows current building codes and present Florida statute documentation. We would take these situations head-on and provide clear evidence of why they should pay full price for any repair/replacement.
Will I be able to keep proceeds?
The answer is NO. Florida considers it fraudulent to keep the money paid by the insurance company. The insurance only pays for repairing the damages.
What is the difference between retail and insurance prices?
We charge a premium for our time and service through insurance rates. It also allows us to pay for better roofing materials and more experienced labor.
Do I need to get any other estimates?
No, however, most insurance companies will ask to do so. The reason is that it's in their best interest to pay the least amount for the repairs by choosing to pay the least expensive estimate. We will provide an estimate for your insurance, letting them know that we are only invoicing for the damages found.
What happens If there is leftover money?
It does not happen as we enter into a formal construction agreement for the amount settled by the insurance upon signing our Service Agreement.
Why do I need a service agreement?
The service agreement protects us. The documentation and inspections that we perform take time. While there are no upfront costs to this, we need to make sure our time and effort are respected by completing the job once its' been approved.
Why do you use a Public Adjuster?
As of July 1st, 2019, it became illegal for contractors to negotiate with insurance companies. We keep ourselves accountable by working alongside a state-licensed public adjuster. They will represent you while providing a full restoration inspection package for them as the contractor.
What is your success rate working with a P/A?
We have settled 100% of claims, including those that used to be partial payments or denials.
No. We prefer to use google reviews because it will keep our company accountable. With google review, our customer reviews will be completely authentic. The homeowners will be using their email to write a review.
Is Chip Builders licensed and insured?
We are licensed and insured. You could verify by going to (DBPR) The Department of Business and Professional Regulations.We are licensed and insured. You could verify by going to (DBPR) The Department of Business and Professional Regulations.
Who will be doing my construction?
As the General contractor, we will oversee the project and use our preferred subcontractors to perform the best work possible for your home.
How long will the claim process take?
On average, it takes about 90 days. Still, it could also take longer depending on the insurance carrier and the adjuster examining the claim. It is our goal to speed things as fast as possible.
Why should I file a claim?
You should only file a claim If you suspect or are sure that you have damage. Every homeowner has or will experience an increase in their insurance premium. Whether you are on the fence about filing a claim, please consider the following:
● There is nothing out of pocket to the homeowner except the deductible stated on the Declaration policy.
● Take advantage of the increased premium by getting a new roof.
● An opportunity to add value by fixing up the home.
Is there a way to save money on my homeowner's insurance?
Yes, in our recent experience with homeowners, a wind mitigation inspection will reduce the premium. Sometimes changing insurances could allow you to save money.
Do I have to pay for my deductible?
It is illegal for a contractor to waive or pay for a homeowners' deductible.
Will my insurance drop me after I file a claim?
Unfortunately, no one is safe. They pick and choose whom they insure. Typically, insurance companies will take your policy once your repairs are complete. In short, yes, they could.