Our storm damage pros in Mobile will provide you everything you need (from the initial consultation and an inspection for storm damage... to estimates, claims assistance, information on disaster-relief loans, and of course the actual repairs).
First, if you have serious hurricane damage and this is the first time you have experienced this, we should begin by exploring a topic that may be startling: the potential challenges of getting your insurance company to provide you with everything that they are legally obligated to provide.
Most people that we talk to in Mobile are not aware of the full range of federal programs for helping them restore their lives after a disaster like Hurricane Irma in 2017 (or Hurricane Matthew etc). For instance, most people are not aware at all of the hurricane-relief programs of the SBA (US Small Business Administration). Their interest rates have recently been very attractive: BELOW TWO PERCENT for qualifying borrowers.
What are the loan limits from the SBA? Home owners in disaster-struck areas can qualify for special lending requirements and get up to $200,000 in loans for Hurricane damage restoration or hurricane-resistant home improvements The limits for commercial properties are $2,000,000. Plus, any small business can get up to $40,000 to replace lost inventory or equipment. (For more info and the link to apply, click the SBA image above.)
Besides the SBA, the FHA & HUD also recently started offering special borrowing qualifications to people in areas hit hard by Hurricane Irma. Those are for the same 203k loans (that are available to anyone) as well as 203h disaster-assistance mortgages. People in federally-recognized disaster areas can access reduced credit score requirements plus ZERO down payment required. (For more info, click the SBA image above.)
"After the inspection for hurricane damage in Mobile, what can I expect?"
The inspector will review the findings with you (at whatever level of detail you desire). Then, you can authorize any emergency services that are needed, like boarding up broken windows or securing a tarp over any openings in the roof (to prevent water leaks).
From prioritizing essential emergency repairs to scheduling home improvements that will cut your insurance rates in half
Whether or not your have insurance coverage, the inspector will review what storm damage services are relevant for you, ranging from what is essential to what is most recommended and even what is ideal (in terms of long-term value). Essential repairs for hurricane damage will include anything that the city will fine you if you don't do or could prevent you from legally occupying or selling the property. Next in priority will be anything that you either get done or else no insurance company would cover your home (which will be a legal requirement for anyone who currently has a typical mortgage on the home).
Even one little broken window during a hurricane would have allowed high winds directly in to your home. So then it would not be unusual for large sections of your roof to be lifted and ripped off by the winds (like in the image above). If your roof looks like that one above, then several inches of water were probably in your home after you returned from where you had evacuated to, right?
So, in addition to providing the roof repairs that will prevent future water damage, our restoration specialists in Mobile can also detect and assess any water damage or mold contamination. Next, the rotting or moldy materials need to be safely removed (without spreading mold spores all over your home). Finally, new materials can be installed to restore your home or property to perfect working condition.
Why? We know the rules that the insurance companies are legally obligated to follow (plus the typical methods that they may try to use if they suspect that a property owner is uninformed about those rules, which is almost always). Whether or not their adjusters are simply overwhelmed and negligent (or are actually being systemically rewarded for denying valid claims, as has been claimed in many lawsuits settled in favor of property owners), we will assist you by gathering the info that will trigger those adjusters to give you everything they owe you. We repeatedly have put footnotes on our reports to them that list exactly which rule requires them to approve a particular part of your claim.
Getting your claim approved in full the first time is much more favorable than having to wait months or years for a court battle to be resolved in your favor. After a bad storm in particular, the insurance companies know that many homeowners are strapped for cash and overwhelmed with stress. So, to contact us right now to request that we be your ally in getting all the repairs you need (and all the insurance benefits you are owed), click here: Hurricane damage restoration pros in Mobile.