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Managing Your Restoration Project

During the construction of any project, the coordination of the trades is an integral part of the process, especially with respect to the mechanical and electrical trades.

Frequently Asked Questions

How do I properly file an insurance claim for damage sustained to my property?

Filing a property claim with your insurance carrier can be stressful. At S.H. Vaughn Construction Co., we deal with property claims everyday and we are happy to help facilitate your claim to make sure you understand your policy limits and the scope of your claim.

If damage is found, what is the next step?

You will need to contact your claims department to open a claim. They will schedule a date and time for an adjuster to come and inspect your property. You then need to call your S.H. Vaughn Construction Co. representative with your scheduled appointment time so that they can meet with the adjuster with you.

What if I have damage that needs to be addressed immediately?

Should you require any temporary repairs to prevent further damage to your property – your insurance claims department can authorize immediate attention.  You can contact S.H. Vaughn Construction Co. for Emergency Service or during our assessment we can provide immediate protection to meet your needs. Your insurance company will usually require receipts for any emergency repairs you have done in order to reimburse you correctly.

How will my insurance adjuster know about damage to the areas I have to have emergency repairs made to?

We suggest you take pictures of the damage prior to any repairs, or you can count on S.H. Vaughn Construction Co. to document any damages in a written report supported by pictures. We will share this information with your insurance adjuster when we meet with them for your claim inspection..

What happens after the insurance adjuster inspects my property?

Once the inspection is complete, you will receive a claim document outlining the scope of damage and the funds being made available for the repairs, less your deductible.  It is very important to evaluate the adjusters report – this determines the amount of money you will receive to handle the repair of all damages. S.H. Vaughn Construction Co. highly suggests having a professional contractor, such as us to review this report.  Since we use the same estimating software used by most insurance companies – we can make certain that ALL of the material and labor necessary to repair your property has been accounted for.  If omissions are found, we will aid you in contacting your insurance company and supplying them with the information necessary to correct your claim.

What is recoverable depreciation?

Most homeowner policies grant coverage for full replacement cost provided the repairs are actually completed. Recoverable depreciation is the difference in cost between your current aged materials and the cost to replace them with new like type and quality materials. Insurance companies withhold this amount until all of the repairs are made. Once your final invoices are submitted to the insurance company, these funds will be sent to you.