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"Ask Joe", He will know

Beth in Troy:

Joe, When it rained the other day, I was surprised to see hail & noticed the next day I had dents in my aluminum siding and damaged 2 of my gutters. A neighbor told me I might want to check my roof, so my questions to you are, how I do I know if I have hail damage to my roof? Can I tell from the ground? What does hail do to a roof?

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Remodeled Home in Grosse Pointe Shores, MI

Accidental Loss Restoration

The old saying, “Anything can happen” is a very true statement. No matter how unusual and strange anything can happen to your home or business at any time of day or night. However, depending on your insurance policy it may or may not cover it. An auto colliding with a building, a fallen tree limb, falling asleep while cooking, falling asleep while smoking, kids playing with matches, vandalism, mold, overfilling a bathtub or any other type of damage typically is considered sudden and accidental.

No matter how unusual the accident, ConstrucTeam will work with your insurance company to complete your restoration using the full extent of your coverage. If you do not have coverage, ConstrucTeam will present the best and most efficient way to rectify your problem.

The process is the same no matter what the issue.

If it is a fire follow this link to our fire damage page
If it is storm damage follow this link to our storm damage page
If it is water damage follow this link to our water damage page
If a car collided with your building or home, follow steps below
1. Contact 911 and have EMS or a firefighter assess the situation
2. You will need to get the contact information of the person who collided with your home or business
3. In most situations you will need to get the insurance information of this person because this will be covered under their car insurance.
4. You will then go to step two below and follow same claim process with their insurance company

Hire a restoration company – A work authorization will need to be signed no matter the insurance loss.
Make a claim – If you have a relationship with your insurance agent contact them first if during business hours. If no relationship exists or after hours call the 800 number from your insurance policy and make a claim to obtain a claim number. All of the listed damage above follows the same procedure as all the rest.

Insurance adjustor will be assigned to your water loss within 24hrs to 48 hrs. of making a claim - depending on the size of the loss you may meet multiple insurance adjustors in the process. Typically you will have an adjustor for the structure, another for contents, and another for loss of business. Many insurance companies may invite a contractor they have used in the past if you do not have a company secured. It is YOUR CHOICE who you decide to handle your contents or rebuild of your home or business.
Adjustor will be assigned within 24 to 48 hrs. to meet you on site.
Once the scope of work is determined each estimate will be reviewed and agreed upon with the owner, contractor and the adjustor and work will then commence.

There are many things to consider and many more steps to the process at this point. Hiring the right company can make this difficult situation a smooth and seamless process with no hassles. ConstrucTeam is that company that can provide all these services rolled into one and will get you back in your home quickly or back in business with minimum disruption.

If during business hours contact our Control Center Manager at 866-371-1272 If after business hours push the emergency button and our Director of Response will IMMEDIATELY contact you within minutes.