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If you are still paying off your home loan, the insurance check for repairs will generally be made out to both you and the mortgage lender. Your lender gets the right to ensure repairs are made to the property and will often require an inspection. This means the mortgage company or bank will have to endorse the check or provide you a new one.
Before work begins, ask your bank or lender to provide you a claim package. It usually involves filling out several forms, including providing Contractor's W-9, Contractor's agreement, a conditional lien waiver and a copy of your final insurance estimate. We are happy to help facilitate this process. If you have any questions, please contact our Office Manager Patty Morales: firstname.lastname@example.org.
Hail, wind and other severe weather can cause serious damage to your home. Most insurance companies will pay the entire cost to replace all damaged items, less your deductible.
Koehn Construction can help you navigate the complicated insurance claims process. We are happy to meet with your adjuster and make sure they don't miss anything.
If you are using a claim to pay for repairs, we ask that your provide us with your entire insurance estimate. We review the claim for proper measurements, code requirements and make sure all necessary re-roofing materials are included. If we notice items missing, we will send a revised estimate to your insurance company. Once those items are approved, your insurance company will issue an updated estimate. At that time, Koehn Construction will go over the final contract price with you. During tear off, if we notice additional damage, we will also notify your insurance company about additional repairs.