K. Berger Construction logo
"The Claim Changer"

Mobile, Alabama (251) 450-9014

Dothan, Alabama (334) 792-6508

Pensacola, Florida (850) 494-0051

Remodeling| Home Repair | Assistance with Claims Settlement

It’s hard to know which direction to take when you’re under the stress of a sudden catastrophe or the major financial investment of a remodel or home addition. We take pride in the fact that our clients trust us as their go-to insurance repair specialist in Alabama and Florida. 

If you suddenly find yourself in a position where you need damage restoration services, you’ll have questions.

  • Where do you turn?
  • Whom do you trust?
  • How does this process even work?

Unfortunately, we’re not given much of a road map, but there are answers for insurance repair.

Let’s start with the basics:

Full Service General Contractor


Trust is the most important element in choosing who you want to have doing any type of work for you. The last thing you need to worry about is the integrity of a company that you’re depending on for advice, direction, and to whom you’re entrusting your property and money. No one can afford to waste money, or to be taken advantage of by unlicensed contractors.

We’ve set a standard of excellence within our company, and guarantee customer satisfaction with all of our work. We’re not finished until you’re happy. Period.

Safety in Numbers

One good indicator of how trustworthy a company is, is what company do they keep…or in some cases, which companies keep THEM? Who else has already trusted the services of this company?

As you review our services, you’ll realize that we’ve been scrutinized by some of the biggest and best companies in the world, and we’ve passed some very strict qualification standards in order to be on their direct repair programs.

These are, in some cases, global companies with massive assets, resources, and reputations to protect. They have to be able to stand behind their recommendations to their clients, so they’re not about to recommend anything less than the best.

These companies have pre-screened and selected us to be in their programs. To us, that speaks volumes more about the quality of our company than anything we can say about ourselves.

This pre-screening includes things you’re not often able to do as an individual, like: conducting background checks of our employees, verifying our financial stability, and digging into our satisfaction rating with customers.

This also includes things that may not have crossed your mind (much less be able to do), like: random drug testing, and random inspection of the work performed at any time (including the accuracy and legitimacy of the estimates we write, and whether or not the work is performed as listed in our estimate).

We’re a respected member of these programs, which informs potential clients as to our trustworthiness. That translates to less worrying for you when you choose us. We are the One-Stop Insurance Repair Specialist to rely upon.

Not all contractors qualify for these programs, and predictably, the contractors that don’t, will tell people scary stories about the programs. Don’t listen to them.

Companies featured in most direct repair programs (like we are), are reputable, fair, accurate, and pay the appropriate rates for the area. If a contractor tells you scary stories, you should be afraid….very afraid….of that contractor.

Detailed Damage Repair Estimates
choices to hire a Insurance Repair Specialist

We’re committed to both quality client care and providing superior service. Our inclusion on the direct repair programs speaks to this commitment. We’re not only obligated to the insurance companies to make sure that you’re happy, but also to stand behind our work to both you and them.

We go above and beyond for our clients, and offer a two-year warranty; double the one-year standard warranty you get with most builders or remodelers.

More peace of mind for you is why we’re the smart choice for your specialty repair and remodeling needs.

Beware of Game Players

“Desperate times breed desperate measures”. Predictably, there are some contractors out there playing games with both insurance companies and property owners. So before you fall victim to one of these predators, here are some words of caution:

It helps to know how the insurance claim process works, and what you are (and are not) going to get.

First, it’s not a good idea to try to “make money”, or “save money” on a claim. The insurance company owes only the cost of repairs and only a reasonable amount for those repairs: “reasonable” being the average cost for the work in your area.

Therefore, trying to submit a damage repair estimate to your insurance company that’s higher in cost than what you know you’re actually paying, constitutes insurance fraud. It’s not worth the legal woes that can bring on.

“Saving money” by hiring a cheaper contractor, doesn’t work. The insurance company owes only what it costs you for the repairs. If it costs you less, they owe you less.

Some contractors may try to convince you to play these games. Be careful.

Other Tactics

Others use more deceptive pricing tactics, not bidding “apples to apples” with the other bids you’re getting. They may also write artificially-low estimates by purposely leaving things out, planning to add those items in later once they get the job signed up…acting as if they accidentally missed something, or “didn’t know you wanted them to do that”.

The goal of this is to come in under what they hope the insurance adjuster will allow. You may think you can “save money” on the claim….maybe even enough to cover your deductible. Don’t be fooled: this is another illegal move that could land you in serious trouble.

In some instances, they know the adjuster will write a tight claim and that most other contractors will be higher. By offering a lower estimate, you may feel compelled to use their company. Call us before you do.

Our itemized estimates will help you keep everyone on the same page. Ask us for a blank scope, and then if you’re getting multiple bids, you can at least make sure everyone is bidding the same job.

Still others will stick to their low price, but cut corners on the work: using cheap materials or less-skilled, less-qualified, and, possibly, risky people to do their work, in order to still make their profit margins. The bottom line is that the cheapest is usually that way for a reason.

It’s a smart move to ask yourself: “Do I really want the lowest bidder working on my property?” The feeling you get from that question is your answer… This is why we aim to be your One-Stop Insurance Repair Specialist.

Damage Restoration estimate Alabama

Don’t Gamble

If you’re the property owner or insurance company, gambling on someone that’s looking to cut corners, or “get over” in some way, means you’re likely going to get a poor quality job, pay more later, or both.

No Games

We don’t write renovation estimates artificially low to romance the insurance company, or to lure property owners into signing with us, only to raise the price later. We write accurate and fair estimates of the work required. We value our time as much as yours, and see no need to dabble in any game playing; it benefits no one.

Insurance Repair Specialist for renovation of damage Alabama


We utilize state-of-the-art equipment and technologies in our work; both on the jobsite, and in our offices.

Our estimates are written with XACTIMATE, which is the “gold standard” of estimating software programs in the industry, containing highly-accurate pricing databases of what it costs to get a specific task accomplished in any given area of the country.

These databases are constantly updated, providing the most accurate, unbiased, and fair pricing on the market…so you reap the benefits.

Gone are the days when a contractor eyeballs a job and writes out a one-page “fix as required” type of estimate, guessing at the costs, and then doubling that for his profit.

Every one of our detailed damage repair sstimates is itemized and priced line-by-line, so you always know exactly what is included in your home repair, and what is supposed to be done in each room or area. This includes an accurate price that is neither excessive, nor too low.

If you’re looking for an insurance repair specialist you can trust, one who operates professionally and will stand behind their work, you’ve come to the right place: K. Berger Construction, Inc., “The Claim Changer”!