Insurance Claims

Insurance Claims and Storm Damage

Hurricane – Tropical Storm Harvey Update

We will honor all Insurance claims with an Insurance Adjuster’s report and a signed Contingency Contract from Houston Remodeling listing us as your Contractor.

Where do I begin with the Insurance Claims?
Houston Remodeling offers services for storm damage and general contracting. Since dealing with insurance companies is quite hectic, we provide you with a service writer who helps you understand your claim process. Your service writer also coordinates meetings with the insurance adjusters and represents you as your contractor.  This ensures that all damaged items are included in the damage report.

Starting the insurance claim process.
Immediately you call your insurance company to report on damages. The insurance carrier will inquire on the date and type of damage. You will be issued with a claim number that will be used throughout the claim’s process.

A meeting with the Insurance adjuster.
The insurance company adjuster will call you to schedule a meeting. Inform your adjuster to contact us, your service writer (Houston Remodeling) and we will represent you as both your advocate and general contractor. Issues on mechanics of the repair, local building codes, and materials will be our job; you need not worry.

Getting funding.
Within ten days from the adjusters visit, you will receive a check from your insurance company. This check will represents the actual cost to repair or replace the damaged property. This does not include your deductible and depreciation. When the project is complete, we will bill your insurance company for the depreciation, also known as hold-back.

Exactly what does the Insurance company pay to replace?
Your insurance will pay for replacement cost only. If you desire upgrades, you are expected to pay the difference plus any overhead and margins to the contractor.

What is a deductible and who pays for it?
A deductible is an amount which a policyholder agrees to pay, per claim or per incident, toward the total amount of an insured loss. For example, if you incur a loss and your insurance company determines that repairs for the damages are going to cost, $1000.00 and your policy has a $250.00 deductible, your insurance company will pay $750.00.  It will be your responsibility to pay the remaining $250.00 balance to the contractor.

What does ACV and Depreciation mean?
Actual Cash Value (ACV) is the cost of replacing or restoring property at prices prevailing at the time and place of the loss, less depreciation.

For example, if an item is worth $100 new, is expected to last for 5 years and you have owned the item for 2 1/2 years, then the ACV of that item could be established as 50% of its original value. The amount subtracted from the replacement cost value based upon the percentage of the ACV is typically referred to as Depreciation.

Depreciation is a decrease in the value of property over a period of time due to wear and tear or obsolescence. Depreciation is used to determine the Actual Cash Value of property at the time of the loss. Under most cases the ACV is refunded after the job is completed and an invoice presented to the insurance company from your contractor. Depreciation is how the insurance companies project themselves from Homeowners who do not complete the repairs or replace the items but instead opt for the cash.

When the project is complete, we will invoice the Insurance company for the remaining balance or depreciation.

I don’t think the Insurance company paid out enough to have my home repaired?
Insurance companies expect supplements from the contractor. If is very easy for an Insurance Adjuster to miss several items while doing their estimate. Every Insurance company has a Supplement Team to deal with additional cost. Your only out of pocket expense is your deductible.

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Important Links below

List of Houston Shelters

The Salvation Army of Houston infomation

Texas Gulf American Red Cross information

Exploring Kitchen Countertop Types

Here are the most popular Kitchen Countertop Types. Any material can be used for kitchens countertops. Its up to you to decide how much care and maintenance you wish to put into the product to achieve the desired look, longevity and effects you want. There is no right or wrong answer, only personal preference.

Granite

Granite has been the star of the medium to high-end kitchen design for years, and its popularity shows no sign of weakening. Granite is a natural stone and consist mainly of quartz, mica, and feldspar. It comes in hundreds of colors and is available in textures such as polished, leather, sand blasted grain, rough and honed. Granite usually has a lot of grains and swirls referred to as “Movement” and mostly used in traditional, transitional and eclectic designs. If you’re looking for a unique, beautiful and resilient countertop for your kitchen remodel, consider granite as one of your top choices. Granite requires a new protective top coat at least once a year.

Engineered Quartz

Engineered Quartz, also know as Manufactured Quartz, is a man-made product created mostly from natural materials. It’s made of roughly to 94 percent ground quartz and 6 percent resins and pigments that are combined into durable and nonporous slabs.

Engineered Quartz is much stronger and has a higher impact rating than granite and is scratch and heat resistant. Quartz countertops are available in dozens of colors with patterns that are consistent, unlike those found in natural stone.  Making this material the preferred choice for modern and contemporary designs.

Patterns are also available to include variations you get with natural stone. Such as multi-hued slabs with flecks, swirls, mirror chips and random patterning to make them almost indistinguishable from the real thing. Slabs were once available only with a polished finish; now you can get them with a honed, sandblasted, or embossed patterns. So if it’s the look of matte limestone, textured slate, or glossy granite what you want, there’s a quartz countertop for you.

Marble

Marble is much softer than granite and can be marred by scratches or stains. It’s not a good choice for kitchens as it can stain and scratch easily. Marble is usually used for tops on furniture such as side tables and dressers.  No matter how much sealing you do, Marble will stain if used in a kitchen.

Soapstone

Soapstone is a natural stone with a silky feel.  Soapstone is only available in dark colors that deepen with time, developing a burnished patina. Soapstone is heat resistant and not harmed by hot pots, citrus, wine, acids or chemicals. The downside, it is much softer than many other stones, therefore,  it can scratch and chip with abuse and should be oiled from time to time. Soapstone is a preferred choice for bakers working with bread dough, pie crust, pizzas, etc, making it an option for the island or separate countertop.

Wood

Many of our projects incorporate a wood top to add a touch of warmth to the kitchen’s island or bar top. Over time a wood top develops a beautiful patina finish from regular use. Wood counters need to be oiled from time to time to hold their luster and can also be sealed with a food grade polyurethane for less maintenance. Typically there are three types of woods used for countertops; maple, cherry and black walnut.  We order our tops from John Booz or custom make them when wider boards are preferred. Often Clients ask us to distress their wood top to give them a used, warm appearance. Wood tops are also great for working with bread and pastry dough.

Concrete

In the hands of a skilled artisan, concrete can assume any color or shape and can be very unique. The addition of glass, shells or other materials gives concrete counters the look of terrazzo or mosaic, and modern finishing techniques deliver smooth, strong and seamless surface.

This is my least favorite of all countertops for several reasons. The first being the High Cost vs Value. Of all the countertops available, this material holds the least value for longevity. While it sounds cool and can look great early on, staining will occur in the cooking and wet areas. The concrete must be sealed and stained and even then, in a few months the color will fade. If you are into an industrial look, this is for you.

Glass

Glass is truly a unique and beautiful countertop material for the modern and contemporary design. It is amazingly strong, scratch, stain and heat resistant and incredibly easy to clean. Available in many thickness’s, colors and textures. Thinkglass offers some remarkable glass for many types of applications.

Paperstone

Made from up to one hundred percent post consumer recycled paper, fortified with petroleum free resins, Paperstone is an environmentally friendly option and available in smooth and textured surfaces that are reminiscent of stone, concrete and leather. Paperstone counters are a great way to increase sustainability without sacrificing style.

PaperStone surface is non-porous and provides stain resistance and it absorbs virtually no water. Surface cuts or marks may be sanded or rubbed out with an abrasive pad. It has a superior strength that allows unsupported overhangs up to 18″ when 3/4-inch material is used. It is only heat resistant to 350 degrees and has been certified ‘food safe’ by NSF and is LEED & Green Building compliant.

Stainless Steel

Stainless steel is usually used in modern, contemporary and industrial flair kitchens.

Stainless counters are aesthetically pleasing with clean lines. They offer non-porous surfaces, are resistant to water, heat and stains. Stainless tops are great for meal preparation as it is extremely hygienic with regular cleaning.

Downside to stainless is that swirl marks and denting can occur.

Laminates

Laminate has been used on kitchen countertops since the 1920’s and is still very popular today. They’re inexpensive, durable, come in lots of colors, textures, patterns, sheens and edge designs. They resist grease and stains and clean up with soap and water and can take a lot of abuse.

On the downside, laminate tops can be damaged by hot pans and sharp knives, abrasive cleaners can dull the finish, and if water penetrates seams, the substrate can expand and the laminate will bulge. Surface damage is difficult to repair. All of these problems can be avoided through proper installation and use.

Laminates are here to stay and many cabinet manufactures use laminates to cover flat style doors and cabinets boxes. Most modern style homes and nearly all business and hospitals use laminates due to it’s low maintenance and ease of cleaning.

Solid Surface

Before granite stole the spotlight, Dupont Corian flooded the market and was the go-to material in high end designer kitchens. It’s popularity faded quickly in the residential market due to high cost and maintenance, low heat tolerance and boring colors. The material can crack, stain and burn from a hot pot. Solid surface sinks were notorious for cracking from pouring boiling water in the sink from draining pasta.

On a plus side, Solid Surface is 100% repairable from a qualified technician. Solid surface material in non porous and seamless. Sinks can be integrated seamlessly into the countertop, making this material the ideal solution for hospitals and clinics to prevent bacterial growth.

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10 Tips for buying new dream house – sticky

If you are looking to shift to a new house or want to renovate your existing one, the first thing you will need to think about is the painting. While it may be tempting to hire a professional to do it if you have never painted before, it will cost you a lot of money. Painting your own house allows you to experiment with something new and will help you save thousands of dollars.

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