STORM RECOVERY UPDATE

It’s been one month since Hurricane Helene and we’ve learned a few things about how the home reconstruction process is going. Please read if anyone you know is struggling to put their home back together. At the very least we hope to provide clarity on the challenges ahead!  

What is the extent of the damage?

Trees falling on homes did extensive damage to roofs, structural members, windows, and interior space. That's the obvious part. Not so obvious is damage caused by unmitigated water, especially in the case of mold growth on drywall, carpet and between layers of hardwood flooring and subflooring. Mold will create worse long-term problems if not addressed. 

When can reconstruction of our home begin?

We’re careful how we answer this. Forty-five days was the target but due to demand we hesitate to set that expectation. The process is fluid and contingent on several factors like severity of damage, insurance involvement, and defining a scope of work. Here’s what we can control: providing everyone with prompt communication and evaluating each home on a case-by-case basis.

How are we vetting storm damage calls? We’re asking these questions:

• Are trees or limbs still on the home? 

• If tree removal has occurred, has the home been sufficiently protected?

• Does the homeowner want their home reconstructed to its pre-storm condition? Or will they update and modify the home with a custom remodel?

• If they wish to modify their home, are they aware insurance won't cover that cost?

• What insurance company is the claim file with?

• Has the adjuster been in communication with the client?

• Have they set an amount?

• Can photos of the damage be provided to our team?

How are these projects being quoted?

Based on photos we can often give a labor/materials estimate and schedule a site visit. A site visit will help us firm up that estimate. In the estimate we include what is required to support surrounding structures (braces, etc.) until construction can begin. If the labor/materials estimate is approved, we tarp the home and begin making plans to start work. For the vast majority of storm related projects, insurance determines what can be done. For those who aren’t entirely dependent on their insurance we provide a cost-plus estimate. This pricing approach shows labor rates, materials, overhead and markup. The homeowner can expect a bi-weekly invoice as work progresses. A fixed price quote is for clients who rely entirely upon their insurance to pay. This quote will include an insurance cost breakdown with an itemized list showing the scope of work required to return the home to its previous state, based on observable conditions at the time of inspection. The quote will need to be approved by your adjuster. Should the client wish to redesign or make additional upgrades to their home, a separate costing will be provided.

What additional tips might benefit the reconstruction process?

• Document your expectations

• Get multiple quotes if you’re unsure about a builder

• Securely tarp your home to ensure additional damage isn’t occurring

• Remember, fixed price quotes are for observed damages at the time of inspection.

• Most policies don’t include flood damage. Avoid using the word “flood”.

• Insurance companies need an itemized quote showing the cost of restoring your home to its pre-storm state.

• Schedule your adjuster (or bring him back) after tree debris is removed from your home.

• You and your contractor should advocate for each other. The client needs to get involved if the insurance adjuster is not returning calls. Likewise, the contractor should be willing to get involved should additional damages be discovered.

• The agreement you sign with your contractor is for a scope of work you agree to, regardless of the insurance company.

  
  

How can Daniel Builders can help you navigate the reconstruction process? Our team has learned a lot over the last month! Speak with a Daniel Builders project guide by calling 864.506.5546 and discuss the best path forward for your custom renovation or get your renovation started here!