Your Project Manager has been asked by you insurance adjuster to attend your home or place of business to assess the damage. They will put emergency measures into place to stabilize the site and once emergency services have been completed, they will provide a rebuild estimate to your insurance company for the repairs. They may have several site visits, dependent on the type and size of the claim, to relay accurate information back to the insurance company.
Your Project Coordinator works closely with the Project Manager to schedule and dispatch the necessary people required to get your home or place of business back to pre-loss condition. They are the liason between you and the insurance company, providing schedules and timelines and keeping all parties updated on the status of your claim.
Damage cleanup is dependent on the type and size of loss. There are variable factors that play into each individual type of loss that determine how long the emergency or cleanup stage will take and how long it may take to get it back to pre-loss condition. For example, if there is structural damage that requires and engineer report and permit, this could delay progress for weeks as we are dependent on the City of Winnipeg and their timeline. Another example is that if asbestos is discovered in the building material, removal must be done by trained staff adhering to strict procedures. However, our team of professionals understand the disruption an unexpected claim can cause so we minimize interruption to your life as much as possible.
Insurance covers direct damages resulting from the loss. However, they do not cover the cause of loss. For example, if a toilet tank breaks, the insured is responsible to pay for the new toilet. Insurance will cover any damage to floors, walls, etc. It’s very typical for a deductible to apply to a claim. If applicable, the deductible is payable to 204 Property Restoration prior to repairs starting. Those who are GST registered (Businesses, rental properties), may also be responsible for paying the GST portion applicable to the total claim value.
Many people take the opportunity to make some changes in their home or business after a claim. Insurance pays to put the property back to pre-loss condition. If you chose to upgrade flooring, cabinets, paint additional walls or anything outside of the scope of repairs, discuss it with your claim manager and they will be happy to provide you a quote.
While this is strictly up to you, it is not necessary for you to take time off work or school during the repairs. Our staff is fully insured and we treat each and every job with the discretion, respect and the courtesy it deserves. We can install and access your property with a key you provide to us. If you have an alarm code, you may wish to set up a special access code for our crews during the repair process. Arrangements will be made prior to any work starting to ensure you fully understand and are aware of areas in your home we will be working.