When you call K. Berger Construction, Inc., “The Claim Changer”, one of our skilled representatives in your area will be given your information about our damage restoration services. We’ll call you to discuss your particular needs, exchange information, and to answer any questions you may have.
As your consulting company of choice, we’re here to help guide you through the entire, tricky process.
We’re focused on more than just renovations. We know that our clients expect the highest service and quality, and we’re honored that they chose us to help them with everything from a mortgage inspection, to completing their home addition.
The first step in our specialty repair service is to determine IF we can help you.
There is no charge for this step.
While we’d love to be able to help everyone, and will work on most projects large or small (depending on your location), sometimes it’s just not financially feasible for either party.
You may be in a location that’s too far away from our nearest office, and the size of your damage restoration is too small to perform the work without charging you excessive rates. As an insurance repair specialist, we’ll always advise what’s in your best interest, even if that means we don’t get the pleasure of having you as a client.
Conversely, if your job is a large one, we may be able to take it on if the required resources are within the project’s budget.
If you have a specialty repair and remodeling need, we are the fast-track consulting company to trust with your project. Our insurance repair specialists provide guidance throughout the entire insurance claims process, so we can help you get your property back together as quickly as possible. To be able to deliver on this damage restoration service, as well as the other services we offer, time-management is a key focus.
Better guidelines for making a decision about who to use to repair your property are the quality and credentials of the contractor, not pricing. Insurance rates are what they are, and the insurance company is only going to pay the going rate in an area.
The “get three bids” mentality comes from the “old days”. This is of little relevance in today’s insurance loss repair arena. The reality is that rates determined by insurance companies don’t really offer a wide range of prices.
If you get significantly different bids, it’s not because of pricing, it’s because of the scope of work, what’s being included or not. It can also be because of the game-playing by some contractors. Incompetence in estimating may also be a factor, and could result in missing items.
You may be shocked to learn that in our professional experience, up to 90% of insurance claims are underpaid.
The fact is, that many claims representatives have never worked in construction, and may not fully understand the intricacies of a damage restoration job. This can cause unnecessary delays and highly-underpaid claims.
Often, multiple bids wind up leaving you even more confused and overwhelmed than when you started. And now you’ve lost that time, and have made no actual progress.
Once you choose K. Berger Construction, Inc., we’ll immediately dispatch someone to your property to begin simplifying the process for you. Isn’t that the kind of service you deserve?
In order for us to begin working on your property, you’ll need to sign authorization for us to do so.
Leave it to us to get it secured, the content moved, roof covers put on, or any other emergency work that’s needed.
This does not commit you to any monetary amount. Rather, it stipulates that the amount will be determined, and that it is to be agreed upon by your insurance adjuster. We’ll work out a settlement amount with your adjuster prior to beginning the actual work.
You’ll never be at risk of getting stuck paying more than what your insurance company will allow.
The only out-of-pocket expense on an insurance loss repair is your deductible, and any upgrades you may decide you want to make during the home repair.
We do require that the deductible be paid prior to starting work, along with any additional amounts for upgrades.
If you have a mortgage company, we’ll also require a Privacy Act release form authorizing them to communicate with us about your mortgage. This is necessary because the insurance checks will likely require the mortgage company’s endorsements. To provide those, your mortgage company will require paperwork from us (lien releases, etc.), and will need us to schedule inspections with them.
We start with the detailed damage repair estimate. Your entire loss area will be measured and diagrammed, and digital photos taken. Our experienced estimators will then go through the structure and take detailed notes on exactly what the damages are, and what repairs need to be done.
That information is then taken back to our office by the consulting company representative. The data is input into our computers, and the estimate package is created. The estimate package is then submitted to your insurance adjuster for review and preliminary approval.
Once it’s approved, we can electronically transmit the entire package to you, or give you a printed package, so that you have the complete, detailed scope of work. Upon your review and approval, we’ll begin work on your project. Most large projects (over $10,000) require draw payments and one third or one fourth down prior to starting.
We go the extra mile for our clients, and serve as your mortgage company coordinator. We’ll handle all draw and inspection requests that your mortgage company will require, and provide them with the paperwork they’re going to need.
You’re able to make any changes you need prior to the start of the work. Once materials are ordered and crews scheduled, we can’t make changes in the scope without charging for them. If your changes include upgrades, you simply pay the additional difference from what was designated by your insurance company.