Building a home takes years, and the extra time you spend getting all the facts, learning about the process, and researching your options fully will pay for itself down the road.
Watch our video to learn more about The Rebuild Journey
Public adjusters typically take a 10% cut off the top of all claim monies received - even monies that you would have been paid without their help. Ask about their strategy - exactly how they plan to increase your payout. If they can't add more than 10%, then it's not worth hiring them.
Ask them what their policy is regarding your ability to communicate with your insurance company. Some public adjusters will prohibit you from contacting your claims adjuster directly.
When you begin to interview home designers and homebuilding teams ask if they will work with your insurance company; good ones do, and they’ll know how to maximize your payout without taking a cut.
Know the facts about debris removal. Typically, authorities will come in first and remove
imminent hazards, like damaged trees, structures, and hazardous materials. They probably started before they let you back in and they may still be working. Stay alert - follow instructions and proper guidance to protect yourself while on site.
FEMA offers free debris removal, but FEMA contractors will not go lightly; they will demolish and remove everything. A private contractor can cost tens of thousands of dollars, but if you have things on your property that you wish to preserve, you may want to consider it. Be sure to talk to your insurance representative; this cost may be included in your policy.
Stay safe, think calmly, take your time. These are big decisions – get all the facts, and whatever decision you make will be the right one.