952-222-3999

DENIED INSURANCE CLAIMS

RooSaRoDENIED INSURANCE CLAIMS

Has your insurance claim been denied, or is the amount of loss covered not sufficient to make your Association whole again? When disagreements like this arise between an Association and your insurance company, Appraisal is a common next step for an Association to take.

What is Appraisal?

Appraisal is an insurance policy provision found in the Loss Settlement section of your policy. It takes the place of a lawsuit and is invoked when there are disagreements between the policy carrier and the policy holder regarding the amount of loss.

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APPRAISAL VS LAWSUIT - THE PROS AND CONS

APPRAISAL

QUICK – EXPEDIENT

RELATIVELY LESS COSTLY

MAY BE LESS ADVERSARIAL

NO FIRM PROCEDURE

LAWSUIT

SLOWER – PROTRACTED

GENERALLY, MORE COSTLY

MORE ADVERSARIAL

STRICT PROCEDURES

STORM DAMAGE MONITORING

STORM DAMAGE MONITORING - IT'S GOOD FOR YOUR ASSOCIATION

Storms are part of life in this area. Is your Association prepared if a major storm damage event should occur on our property?

Partnering with a professional storm damage restoration company long before you need service will make the road to recovery a smooth process. It will also give you ice peace of mind as you tell all those storm chasers to "hit the road" because you've pre-planned with Association Reconstruction.

STORM MONITORING SERVICE - THE PROCESS

Step 1 - You schedule a time for Association Reconstruction to physically inspect your property looking for hail or wind damage.

Step 2 - From our inspection, a baseline is established regarding the current condition of your property.

Step 3 - If hail or wind damage exists we learn what your insurance deductible is and create a detailed report for the Board of Directors which lists the reasons why we do or do not suggest filing an insurance claim.

Step 4 - Your Association is added to our Monitoring Program. That means we stay current with any storm or weather conditions in your area that may adversely affect your property. If such and event occurs, we quickly arrive onsite to inspect your property for damage.

DO YOU HAVE A DENIED INSURANCE CLAIM? WE'D LIKE TO HELP.

LEARN MORE

last month, our HOA was damaged by a nasty hail storm. Our community manger suspected we had some amount of hail damage, but before she could even call to get an inspection done, Association Reconstruction contacted us to let us know they would be stopping by to inspect our property. Since we were part of their free storm damage monitoring list, our HOA was at the top of their list for inspections.

MIKE J.

As a community manager, I am so happy to have Russ and Association Reconstruction in my back pocket when storm damage hits. One of the HOAs I manage was severely damaged by a wind storm last summer. One call to Association Reconstruction was all it took to start the process of restoration. They did an excellent job from immediate triage to complete restoration. Thank ! I know I can depend on this team.

ROBERT B.

Great job! Their blog updates are great. We were very happy we hired them and would hire them again.

SUE O.

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HOA RECONSTRUCTION SPECIALISTS

952-222-3999

MN BC#727956    WI DC#1434091