Commercial Hail Damage Checklist [INFOGRAPHIC]

Roof hail damage, you don’t have to see it to believe it. 

After a storm, especially with larger hail, commercial hail damage may not be visible to the untrained eye. It can take up to 3 years before your roof begins to leak from the damage, but by that time it’s too late to file a successful damage claim.

In Texas last year, there were 830 hail storms of the 5,601 nationwide total, according to the NOAA’s 2016 Annual Summary. April and May were the heaviest storm months, which is why it’s important to get in front of the damage and have it inspected now. 

As a commercial property owner, it’s your responsibility to visit your property following a hail storm and follow through with the necessary repairs.

We’ve created this Commercial Hail Damage Checklist for you to use:

commercial hail damage

 

It’s your commercial property, and it’s your claim. Make sure you take the proper measures following a hail storm to ensure the longevity of your property.

We’re here to help. Whether it’s partial repair or a full roof reconstruction, we’ll be with you every step of the process to ensure you get the most out of your claim.

Call us toll-free 24/7 at 866-764-3874 or schedule a free inspection here.

commercial storm damage restoration

Commercial Storm Damage Restoration: Get to Know Us Before You Need Us

April showers bring May flowers, but also the risk of commercial storm damage restoration.

The appearance of your commercial property is important. When the need arises for emergency or commercial storm damage restoration services, you want someone you can trust. The professionals at Alliance Reconstruction have more than 20 years of experience in handling storm restoration claims and will walk you hand-in-hand through your repair to ensure your needs are met.

Storm Damage Facts

Storm damage can extend far beyond your roof, damaging siding, HVAC units and windows. Even the wind associated with a storm can cause enough damage to warrant a roof repair or replacement. If these issues aren’t handled quickly, leaks and wood rot may leave you having to replace your entire roof.

However, hail and water damage cause the most extensive damage during a storm. Hail can travel up to 100 MPH, and causes about $1 billion dollars in damage to property each year. Major damage can lead to water leakage into your commercial property and greater structural issues caused by mold. 

Before Commercial Storm Damage

Get to know us before you need us. Our team will form a relationship with you before commercial storm damage occurs to come out and properly measure the property. This way, we can determine the extent of the damage accurately when Mother Nature does decide to strike. We guarantee:

  • Free inspections
  • Expertise in insurance claims
  • Comprehensive documentation of your property to facilitate transactions with your insurance company

After Commercial Storm Damage

If you believe your roof may have been damaged in a storm, call a professional. The last thing you need is a personal injury on top of your property damage. The Alliance Reconstruction team can rescue your building from greater structural issues while saving you time and money.

We’ll help you determine the scope of work necessary to mitigate your damage, whether that is a partial replacement or a full repair. Determining the scope of work is a crucial step in filing a successful insurance claim, and we have the expertise to stand up for you and your property.

Get Your Commerical Property Back to Normal

You’ve suffered enough hardship, we can take it from here. If your property recently suffered from commercial storm damage and is in need of storm damage restoration, contact the specialists at Alliance Reconstruction today to help mitigate the damage.

It’s your property. You’ve acquired it. You’ve insured it. Now it’s time to protect it.

Call us today at 888-764-3874 or use our contact us page to schedule a free inspection.

fire damage prevention

5 Fire Damage Prevention Tips to Keep Your Holiday Merry

People often overlook potential fire damages that can occur during the holidays. Traditions like Christmas trees, lights, candles and family meals can cause major property damage if the proper fire damage prevention tactics are not taken. To avoid any kind of fire damage, here are some things to consider this holiday season:

1. Watch out for that tree

It takes less than 30 seconds for a dry tree to engulf a room in flames, according to the Building and Fire Research Laboratory of the National Institute for Standards and Technology. This is why it’s essential that when you choose your Christmas tree, you buy a fresh tree with intact needles. For fire damage prevention, water your tree daily to maintain moisture levels, because a well-watered tree will almost never catch fire.

2. Light up the night

Artificial lights are a great way to decorate for the holidays, but make sure that yours aren’t a fire hazard. Check your lights to ensure that there are no frayed or cracked wires. This includes your extension cords they’re attached to, as they can also spark a fire. Also, avoid using staples or nails to hang your lights, as these may cause unwanted damage to the wiring. Taking these fire damage prevention steps can prevent damages to your property entirely.

3. Keep the fires in your fireplace

Over time, fireplaces can develop a buildup of soot which is extremely flammable. For this reason, have your chimney inspected to ensure your property isn’t at risk. For fire damage prevention, when using your fireplace, be sure to use a screen to block any embers that may pop out onto your flooring or carpet.

4. Handling your candles

The incidence of candle fires is four times higher during the month of December. When using candles on your property, place them at least a foot from anything flammable, and check to see that all candles are extinguished before going to bed. For the ultimate fire damage prevention, you can use flameless LED candles instead.

5. Keep the heat in the kitchen

Holidays are a time for families to enjoy meals together. The last thing you want is for unattended food to catch fire and cause damage to your property. Keep items which are flammable like pot holders, napkins, and food packaging away from the stovetop when you’re cooking for fire damage prevention. Finally, keep a fire extinguisher in the kitchen and let everyone know where it is located so that in the event of a fire, it can be handled quickly to limit the damage.

After a fire, it’s imperative that you mitigate the damages as much as possible to avoid any additional damages or injuries. Alliance Reconstruction offers the professional property damage restoration services needed to limit damages and recover your property.

Nobody should have to spend their holiday worrying about fire damage, but if it happens, Alliance is here for you. Learn more about our fire damage restoration services, schedule a free inspection or call 866-764-3874.

prepare your property for winter weather

10 Ways to Prepare Your Property for Winter Weather

While no one can stop Mother Nature from showing up at your doorstep, there are ways of controlling winter’s damaging effects on your property.

Top things to do before winter weather hits:

  1. Insulate walls and attics against drafts.
  2. Caulk and weather-strip doors and windows.
  3. Have a contractor check your roof to see if it can sustain the weight of a heavy snowfall.
  4. Replace damaged, loose or missing shingles that may leak during a winter storm.
  5. Repair roof leaks and remove tree branches that could get weighed down with ice or snow and fall on your property or your neighbor’s.
  6. Clear your gutters.
  7. Turn off exterior faucets as these pipes can burst if they freeze.
  8. Drain your irrigation system.
  9. Divert water by adding extensions to downspouts so that water runs at least 3 to 4 feet away from the foundation.
  10. Tune up your heating system to avoid waiting in line for repairs on a cold day.
insurance claim

Insurance Claim Guide

Alliance Reconstruction is here to help every step of the way when filing an insurance claim. Our experts will inspect your property, document damage, file and advocate for a successful claim.

  1. File the Claim – File your claim in writing and find out when the adjuster will arrive. Our experts understand the necessary steps to process the paperwork for filing a claim.
  2. Secure the Property – Secure the property and call the Alliance team so we can be present when the adjuster arrives.
  3. Walk the Loss – Walk your property with an Alliance team member. You can rely on us for a comprehensive and detailed review of your restoration project and insurance claim that covers details others might miss.
  4. Check your Policy – Our experts will review and organize all insurance coverages within the policy(s).
  5. Document the Damage – An Alliance team member will assist in measuring, documenting and producing an estimated scope of repairs for all structural damages, as well as identify, analyze and schedule a line item inventory of all damaged property.
  6. Discuss Your Options – The Alliance team will help determine the restoration and/or replacement of your property as well as anticipate any problem areas (policy limitations, co-insurance). We will also consult with you on the proper measures and present the best options to you regarding the insurance claim.
  7. Draft the Estimate – Alliance will prepare a formal estimate for presentation to the insurance company in a professional manner to ensure a maximum and prompt recovery.
  8. Meet with the Insurance Adjustor –  Our team will meet with the insurance carrier’s adjuster(s) as required to discuss all details as to the extent of damage and questionable areas.
  9. Scope of Damages – Our experts will determine and accumulate documentation necessary to support our recommendations, establishing the most thorough scope of damages, including methods of repair, and expediting the claim in every way possible.
  10. Claim Approved! – Upon agreement with the insurance company, the Alliance team will then restore the property per the final estimate to its pre-loss condition.
Property damage insurance claims binders

Sample Letter Requesting Complete Copy of Homeowners Policy

NOTE: This letter is a sample letter that must be customized to fit your individual situation and claim. All bracketed and underlined portions must be edited or filled in before using it. Use this letter to request a complete copy of your homeowners’ policy from your insurance company.

(Date)

(Name of adjuster or highest ranking Insurance Company employee)

(Name of Insurance Company)

(Address of Insurance Company)

Re: Claim Number _____________

Date of Loss: __________________

Name of Insured: _______________________

Address of Insured Property: _____________

Dear [INSURANCE COMPANY],

Please send me a complete and certified copy of my homeowner’s insurance policy, including all declarations, endorsements, riders and/or changes to the policy which would affect coverage at the time of the above-noted loss. Please send it to the mailing address listed below within fifteen (15) calendar days of the date of this letter.

Thank you in advance for your prompt handling of my request. I look forward to receiving the requested documents and working with [INSURANCE COMPANY] to complete the claim process.

Best,
YOUR NAME
MAILING ADDRESS

house fire damage mitigation

Maximizing Commercial Insurance Benefits After a Fire

If your business had a fire loss, follow these 3 steps on how to work with your insurance company to receive the maximum commercial insurance benefits available under any applicable insurance policies:

Step I – Read Your Insurance Policies

It is very important that you read and re-read the insurance policies that may cover your losses. It is critical to get complete and current copies.

· If your policies are lost/destroyed, contact your insurance.

· If you can’t remember who the agent or insurer is, look at bank/payment records.

Step II – Contact Your Insurer

Contact your broker or agent and let them know about your loss. If you don’t have a broker or agent, contact your insurer directly.

· Ask your insurer for an advance to cover immediate expenses such as debris removal. If you operate your business in a rental property, seek an advance for costs necessary to protect your business personal property and inventory.

· If your insurance coverage extends to loss of business income, you may also be entitled to costs you incur during the suspension of your operations. These costs may include relocating and setting up a temporary location, expediting repairs and replacing property or inventory, and cash needed to pay bills and payroll. Request an advance from your insurance company for these costs and any you incur in order to minimize your losses and to continue your business operations.

Step III – Document Your Losses

Make notes and lists as you remember property that was lost.

· Do NOT sign anything that indicates it’s the full amount of your claim.  It will be weeks or months before you can tally up and document your full loss. Your insurer may require you to sign a notarized “Proof of Loss” form before it will pay any advances on your claim. Make sure to review them carefully and seek advice if necessary before signing. It’s generally fine to submit an initial proof of loss that indicates the amount of loss as “undetermined.”

· Don’t try to value all of your items at this stage. Final valuations will be worked out later. The chances are likely that your property loss will be resolved sooner than your business income loss, which will vary depending on the length of the suspension of your business. Involve your accountant if you need help documenting the loss.

· You may be able to receive payment for damage to some inventory or stock based on the retail selling price. Your goal should be to establish the true and maximum valuation for all items covered under your insurance policy.

· Keep receipts for everything you buy and what you spend on repair and replacement of property and inventory, along with your business expenses.

· Keep track of how much money the insurance company gives you and what it’s for.

· As you submit proof to your insurance company of costs you incur as a result of the fire, continue to ask for additional advances.

· Document everything.  Create a folder or binder with expenditures due to the fire and repair estimates. Claim reports and all communications with and submissions to your insurance company.

· Cooperate with all reasonable requests from your insurance company, allow them to fully inspect, and keep them informed. Clear and frequent communications and keeping a diary will help avoid disputes later on.

residential insurance claims

Top 10 Tips for Residential Insurance Claims

1. Take charge of the claim process.

2. You’re not on equal ground when you’re dealing with insurances claims.

3. Always think of your insurance claim as a business exchange—you are dealing with a for-profit company.

4. Allow your insurance company time to do the right thing, but don’t mistake a hospitable representative for a friend.

5. Keep documentation to support your claim with proof, estimates and plenty of details.

6. Be prepared with requests in writing that explain exactly what you need, when you will need it, and why you’re entitled to receiving it.

7. Never inflate or exaggerate you claim.

8. Abstain from signing legal documents until you have consulted with a qualified attorney.

9. Leave a paper trail. Try to resolve issues informally, but submit all complaints in writing. Travel up the chain of command and/or use government agency help if necessary.

10. Get specialized professional help when you need it by contacting us at http://www.alliancereconstruction.com/contact-us/.

Sample Letter Property Damage

Sample Letter to Tenant for Property Damages

Renting property to tenants has many benefits including a new source of income. However, it does come with its downsides.
Tenants, unlike homeowners, are less keen on keeping the property damage free. Not to say they deliberately seek out to destroy your property, but they can be less careful than you would like them to be.
Your best option when finding out your property has faced some damage, is to confront the tenant through a letter. While it may seem a little passive-aggressive, it is important that you let your tenant know in writing that you are aware of the damages and require compensation. Unless of course, you want to pay for the repairs yourself!
It can be frustrating that your property hasn’t been taken care of like you hoped, but it is important that you have it in writing that you know of the damages and demand the payment for their repairs.
Here’s a sample letter to a tenant for property damages:

Brandon Coates
290 E Broadway Street
Dallas, TX 75287
(817) 555-2184
brandon@managment.com

June 28, 2016

Ms. Emily Choi
100 W Macarthur
Dallas, TX 75287

Dear Ms. Choi:

During our monthly inspection of 100 W Macarthur, Dallas, of which you are the leaseholder, it has come to our attention to some damages that have been done to the property. We would like to bring your attention to them:

• Water damage to the downstairs carpet area around the Kitchen
• Master bedroom have multiple nail and tack holes
• Signs of an unregistered pet
• Discoloration on the walls in one of the downstairs bedrooms from cigarette smoke

As stated in the original lease, the tenant is solely responsible for any damages made to the property during the tenancy period. Our maintenance staff has estimated the cost of the damage at $845.23- I have enclosed a copy of the estimate with this letter.

Please arrange to have this amount paid for, so we may begin the repairs as needed. Or we will be deducting this amount from your $1000.00 security deposit.
We appreciate a prompt reply with a cashier’s check for the amount stated above,

Sincerely,

[Sign Here]
Brandon Coates
290 E Broadway Street
Dallas, TX 75287
(817) 555-2184
Brandon@managment.com

Water damage restoration - fans drying wet flooded room

Water Damage Restoration: 5 Steps to Get You Back in Your Property

Water can damage your property in just 24 hours. Many property owners face this challenge regularly. In fact, out of every 45,000 residences, about 77 claim water damage every day.

So, what would you do first if you were in their shoes? Here are the 5 most important steps to keeping water damage to a minimum at your property:

  1. Stop the origin of the leak

    This means exactly what you think. Figure out where the water is coming from and take the steps necessary to stop it from damaging your property any further.
  2. Contact Alliance Reconstruction to assess the damage

    One of the members of the Alliance Reconstruction team will come walk through your property to assess the damage. They will also help you work with your insurance company (because it can be a confusing process) to make sure you’re covered and ready to start the restoration process.
  3. The actual “mitigation” process starts

    Mitigation means drying out your house. During this step, the Alliance Reconstruction team will start extracting water using equipment such as dehumidifiers, air movers, and air scrubbers. (Air scrubbers are used especially in properties with families with children, elderly or sick people.) This step might also consist of cutting into the sheetrock, removing carpet/carpet pads and rearranging furniture to make sure there isn’t any more hidden water damage.
  4. Check the temperature and humidity of the affected areas

    This step is particularly important! Checking for humidity is crucial to making sure that there isn’t enough water in the air to allow mold to grow. This is also called the GPP, or grains of moisture per pound. Dehumidifiers are used to lower the GPP in your property to below 60° to ensure that mold cannot grow. High humidity in your property can also cause secondary damage like ruining furniture, or affecting other parts of your property that are not directly associated with the water damage.
  5. Getting you and your family back into your property

    Water damage restoration can take about 3-4 days to complete, this is to ensure that your property is clear of water and mold and safe to move back into.

We want to put the homeowner in the position they were in five minutes before the incident.-Corey Love, Sr. Mitigation Specialist

 

One last water damage restoration tip…

Do you know the difference between water mitigation and flooding? Not many people do.

Flooding is considered water from the outside coming into your property (this is what your insurance will consider flooding.) Water Mitigation is inside damage, such as bursting pipes or water coming from your water heater to damage your property.

In the case of a flood, you will NOT be covered by insurance unless you have flood insurance.

In the case of water mitigation, your insurance will file a supplemental claim, which will only pay for the damages of the things they can see, but this is where Alliance comes in. We will work with the insurance company on your behalf to make sure everything that is damaged, is taken care of fast and efficiently!

For more information about our water damage services, give us a call at 866.764.3874.