Ask the Restoration Services Expert – Jay Won
What Is Restoration Work?
You’ve just suffered a major loss at your home or business, you call your insurance company and they
take your information and tell you that they will contact one of their preferred vendors to come out and do the emergency work. Usually that call will be to a restoration company like Action Restoration. Once we get the notification and contact the insured, we put into motion those processes that are necessary to get the emergency work completed as soon as possible. A project manager will be assigned to the job and it’s their responsibility to oversee the entire project from start to finish. They are also responsible for providing the insurance company with the information they need (photos, reports, estimates, etc), work closely with the insured and schedule all staff and sub trades that are needed to complete the job in a timely fashion.
Once the emergency work has been completed, which may include a little or a lot of demolition, the reconstruction will begin. It’s during this phase of work that some insured misconstrue restoration work with that of renovations. By using a flooded basement caused by a sewer back up as an example, I’ll admit that it all kind of looks the same. We’ve moved all content out of the affected areas and removed all affected materials and have pretty much left the basement as a shell. Now it’s time to put it all back together with new material. The mandate for a restoration company like Action Restoration, who is working in conjunction with your insurance company, is to return the affected area(s) to a pre-loss condition. In other words, “put things back to the way they were, or as close as possible, a second before the loss”. This also applies to the restoration of applicable affected content as well. You have to keep in mind that during the time between the emergency work and reconstruction, the project manager has already scoped the damages and has presented the insurance company with an estimate based on the circumstances and condition that was current at the time of the loss. If everything checks out and the estimate gets approved, the dollar value of that estimate becomes the budget for the job. There are no allowances in the estimate for major changes or upgrades. That’s not to say that major changes or upgrades can’t happen, but it then becomes the financial responsibility of the insured and not that of the insurance company or the restoration company.
A contractor who comes in a home to do renovations takes their directions from the homeowner because they’re paying the bill. Restoration companies initially take their directions from the insurance company because we have no knowledge of the policy or coverage of any given insurable loss and ultimately, they’re paying the bill. Once coverage has been confirmed and everything has been approved, we at Action Restoration endeavour to get the job done in a timely fashion using quality workmanship. It’s at this point that we will engage the insured regarding items such as flooring selection, paint colors, etc. Whether it’s between us and the insurance company or us and the insured, the ultimate goal is that when the job has been completed, it’s a favourable and satisfactory outcome for everyone involved.
For a more detailed and insightful look at the services provided by Action Restoration, I invite you to visit our website using the web address that’s listed below.