What is the role of each independent contractor in the event of a disaster?
Independent contractors that can be connected with a disaster include:
- The victim (YOU)
- The co-property (condo building and residences only), all tenants living in the property where you live or operate, generally represented by a syndicate of co-owners who will assign a manager.
- The insurer: the insurance company indicated on your policy
- The broker: the company that sold you your insurance policy
- The disaster expert: a professional assigned by your insurer to represent the company and take charge of managing the damage control.
- The post-damage restorer or rebuilder: a company, like JPL Disaster Recovery, that will execute emergency consolidation and reconstruction work.
- Independent evaluator: either a professional or company mandated by the damage control expert to evaluate the cost of losses.
What to do if you are a victim of fire?
Following a fire in your home, you must contact your insurance company as quickly as possible as well as JPL Disaster Recovery. Your insurance company will take care of assigning a damage control expert that will manage your file. Your insurance company will also temporarily relocate you and answer all your questions. JPL Disaster Recovery will secure your home or business. Our carpenters will seal your windows, doors, and/or roof in order to protect your personal belongings. JPL Disaster Recovery will also be your point of contact throughout the reconstruction and restoration work of your home, business and belongings.
When will reconstruction work start?
Before starting renovations, the damage control expert assigned to your file must approve the involvement of JPL Disaster Recovery for the restoration of your home or business. Once authorization is received, we will ask you to sign a warranty, attesting that we can proceed with work. You must also pay your insurance deductible. Once these administrative tasks are completed, a project manager will contact you in order to schedule a timeframe for the work.
When and why do I have to pay a deductible?
The deductible is an amount non-indemnified by your insurer and that must be paid to JPL Disaster Recovery before work can commence. A cheque for the deductible is to be deposited two weeks before work begins. The damage control expert hired by your insurance company will notify you of the deductible. You can find more information about deductibles on your insurance company’s website as well as in your contract.
How do I prepare for reconstruction work following a disaster?
With authorization from your insurance company, our teams will take care of moving your belongings before starting work. It is recommended to remove all precious objects, knick-knacks, jewelry, money, works of art and any collectibles from the restoration and work area prior to the arrival of the site workers.
How will the post-disaster reconstruction work unfold?
Our site manager will come to your home, after which each professional from our specialized team will be able to complete the necessary tasks. A typical restoration project following a disaster starts with the demolition of damaged, non-re-useable materials. This phase is followed by reconstruction, joint work and sanding. Then the walls, floors and paneling are painted. Lastly, a deep clean of all areas affected by the renovation is performed. To close the file, the project manager will meet with you to inspect the work done and request any corrections. We will then give you a warranty to sign, confirming your satisfaction with the work completed.
How will you access the site to begin work?
In order to optimize the work process and avoid that your presence be required at all times, we generally install a secure key box on the exterior of your property. A key to the property is contained therein. Only those employees certified to work at your property will have access to the box. If you have an alarm system, it will be important to deactivate it between 7am and 5pm, Monday through Friday. You can also notify your security company that work will be taking place at your home or property.
Who will be conducting work at my property?
The primary workforce that will be on-site once renovations have begun will all be accredited specialists in their field, with professional certification identification cards. A highly experienced project manager will supervise all carpenters, plasterers, painters, plumbers, electricians, etc. JPL Disaster Recovery is committed to providing quality service and guaranteeing quality work that meets your expectations.
How long will the restoration work last?
The duration of the work will depend on the extent of the renovations needed. Several weeks are to be expected, as most work phases require several days rest for materials to dry. JPL Disaster Recovery will ensure that all restoration work is completed in a timely fashion, so your life can return to normal as soon as possible. We do our best to limit disturbances to your daily life and are always happy to cooperate with you to render the renovation experience as stress-free as possible.
During reconstruction, can I request additional work or more expensive materials than what was damaged?
Absolutely. After a disaster, many people take the opportunity to effectuate additional work on their property in order to increase its value. However, it’s important to bring up these requests before work has begun. Insurance will cover the cost of materials that were there prior to the damage, but you will have to assume the cost difference for additional work or more expensive materials.
What is the process for replacing floors?
The ICC Insurance Claims Collaborative Inc. will conduct an initial evaluation if your floors need replacing. A national floor appraisal and replacement company working for insurance companies, the ICC is responsible for compensation claims regarding floors. Their experts will assess your original floor to determine its exact value, after which you can visit your supplier to select your new floors. If you select material more expensive than what the original floor was evaluated at, you must pay the difference in price directly to the supplier.