Several professionals working for HCS are or have been licensed general contractors and are aware of all rules and regulations presiding over these types of claims. Including the rigorous building codes to comply with the California Earthquake Authority and the Florida High Velocity Wind Zones.
A damaged home can have a substantial impact on your life. Not only do finances become stressed as you unload large sums to contractors but your focus becomes engulfed with the anxiety of rebuilding your home while trying to maintain your normal life. Countless homeowners fail to collect the full settlement amount recoverable simply because they are not aware of the ins and outs of the claim process. This adds to your loss and equates to more money out of your own pocket. No claim is too small. If our guidance will be beneficial to you in settling your claim, we won’t turn you down. At HCS, we understand that big or small, a person’s home is their largest investment and the financial burden and stress is felt just as much on a small claim as it is on a larger one.
Multi-family residences normally involve more complex estimates than a single residence home. Whether or not these dwellings have a homeowners’ policy they must still be built to commercial code. This brings into affect additional state statutes and building codes that would not typically be considered in a standard homeowners claim. After a large catastrophe, insurance companies are forced to utilize what are known as independent adjusters. Because these adjusters travel from across the country to help, many of them are not aware of local building codes and even some state regulations. Often times, this results in an initial estimate that is not fully adequate to repair your property. This can also delay the initial estimate being produced, causing additional hardships.
Also needing to be considered is the fact that each unit may have varying appliances, flooring, cabinetry and furniture. All must be accounted for in order to correctly detail an estimate. This fact is typically overlooked by rushed or careless adjusters and may cost the insured thousands of dollars out of their own pocket.
Condominium claims are one of the most extensive and time-consuming claims we deal with. However, with a success rate of virtually 100%, our experts have learned to understand the needs of the association, its board of directors, and its unit owners or tenants. In fact, HCS has learned that these claims require such an extensive amount of coordination that we have created a specialty team that handles the condominium claims.
Unique to the industry, PMP is our custom-tailored program, enabling us to cater to the specific needs of the property and to coordinate communication; requiring a significant amount of skill and experience. The experts involved in the program continually assemble to discuss any changes in laws and the industry so that we can guarantee our clients the most efficient recovery process. With the PMP program, HCS provides pre-loss inspections and maintains a record of building conditions in order to help with any possible future loss.