When you call K. Berger Construction, Inc., “The Claim Changer”, the representative who handles your area will be given your information, and then they’ll call you to discuss your particular needs. Our specialists will determine how we, as your consulting company, can best help you with your insurance loss repairs.
The first step in our service is to determine IF we can help you.
There is no charge for this step.
While we’d like to be able to help everyone, and will work on most projects large or small (depending on your location), the economics are such that, in some situations, it isn’t really feasible.
You may be in a location that’s too far away from our nearest office, and the size of your job too small to perform the work without charging you excessive rates. After all, looking out for your best interests is what we do.
Conversely, the economics may be that, if your job is a large one, we may be able to go outside of our normal area to help you.
If you have you need insurance loss repairs, we are the fast-track consulting company to turn to. We provide guidance throughout the entire claims process, so we can help can get your property back together as quickly as possible. To be able to deliver on this service, as well as the other services we offer, time-management is a key focus.
Your most important basis for making a decision about who to use to repair your property is 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” and is of little relevance in today’s insurance repair arena, since rates allowed by insurance companies are not conducive to 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, or because of the game-playing engaged in by some contractors. Incompetence in estimating may also be a factor, and could result in missing items. This is why you need a experienced and trustworthy consulting company.
Often, multiple bids are going to accomplish nothing more than to leave you even more confused and overwhelmed than when you started.
We don’t usually play the old “three bids” game. It’s usually just a waste of everyone’s time and resources. We aren’t the highest, and we aren’t the lowest. We’re in the middle. However, we ARE the best.
Once you choose K. Berger Construction, Inc., we’ll immediately dispatch someone to your property to begin simplifying the process for you…and isn’t THAT the kind of service you deserve?
You’ll need to sign a work authorization form which allows us to begin working on your property. Leave it to us to get it secured, the content moved, roof covers put on, or any other emergency work that’s needed.
It does not commit you to any monetary amount, but rather stipulates that the amount will be determined and that it is to be agreed to 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 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 your mortgage company to communicate with us about your mortgage. This is necessary because the insurance checks will likely require the mortgage company’s endorsements, and to provide those, your mortgage company will require paperwork from us, lien releases, etc., and will need us to schedule inspections with them.
From there, we also start our very detailed estimating process. Your entire loss area will be measured and diagrammed, digital photos taken, and our experienced estimators will 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 and 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. Once you’ve reviewed and approved it, we 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’re also your mortgage company coordinator, and will handle all draw and inspection requests that your mortgage company will require, and provide them with the paperwork they’re going to need.
If you want to make any changes prior to the start of the work, that will be the time to do so. 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 allowed by your insurance company.
Ready to talk to one of our Team Members?