When something happens to damage your home, there are a lot of questions that you might have, but the most important thing you can do is hire a home restoration contractor in Billings, MT right away to repair any damage so you can get back to your normal life as quickly as possible. Here are some frequently asked questions that people have about restoration contractors, and answers to help you understand the process a little better.
Is this covered by my insurance?
The most common question homeowners have when their home suffers some kind of damage is whether or not it will be covered by an insurance policy. The answer to this question depends on your policy, what caused the damage, and your insurance company. It’s important to contact your insurance agent first whenever your home is damaged so you can ensure that you get all the proper paperwork filled out, and everything that is eligible under your policy will get covered.
My insurance agent recommended a restoration contractor, do I have to work with them?
The insurance company may have restoration contractors in Billings, MT that they work with as “preferred vendors” but they cannot require you to work with a specific person. As long as you’re working with a licensed contractor, your insurance company should cover all eligible costs. If you do choose to go with a different vendor than the one they suggest, make sure you have an understanding of the scope of work that insurance will cover, and make that clear to the contractor.
Do I have to file an insurance claim to work with a restoration contractor?
Not all damage is bad enough that you want to involve your insurance company—some people prefer to pay out of pocket for smaller damages to avoid increases in monthly premiums, or because it will be less than the deductible anyway. You are not required to work with your insurance company for repairs, and many restoration contractors in Billings, MT can provide quotes with or without insurance involvement.
Tell me a little bit more about your company.
Okay, so this isn’t exactly a question, but it is one of the most important things you should discuss with any contractor before they come to work on your home. Find out if they are licensed and insured (with both general liability and worker’s compensation insurance policies), and their experience doing restoration projects like yours. You should also get all the estimates for costs and completion time in writing in a contract before you begin.
Fixing damage to your home doesn’t have to be a hassle. When you work with the right restoration contractors in Billings, MT it can be a simple process to get your home back to normal.