Disaster can strike at the most in-opportune times. Whether it is a fire, a falling tree, strong winds or earthquake, the damage is sudden and devastating. Beyond the concern for physical injury, the inconvenience of a home that is structurally compromised can leave a family in disarray.
At times like these, it is important to find a company that is caring and personal; a builder that will be sensitive to your concerns and show genuine interest in your well being.
MasterCraft Design & Build is a company that brings relief at times of distress and confusion. We care about each of our customers and we want to take all the time necessary to understand exactly what is important to you at your time of crisis.
There are several steps that are critical in disaster aid:
1. Quick response to preserve the remaining items and house structure
2. Accurate and careful cataloging of existing items
3. Careful and secure storage of critical items
4. Communication and correspondence with Insurance Adjustors
5. Accurate Architectural and Engineering evaluation of the house
6. Timely routing of permits through proper municipal channels
7. Application of Upgraded Building Codes
8. Quality dismantling, cleaning and reconstruction of your home
9. Occupancy and return of stored items
In most disaster situations, the structure and protection of your house has been compromised. It is important to choose a company that can arrive quickly and provide temporary protection of your home. This temporary protection can keep weather from entering your home and causing further damage. It can also secure your home against intruders or casual observers. This protection may be required for several weeks until the reconstruction can begin. If there are concerns about structural integrity, an engineer can give valuable advice to make sure that the structure is safe.
Accuracy and care during cataloging:
Items that are missed or damaged during initial jobsite review can be lost forever. It is important to find a contractor that cares as much about your families possessions as you do. Sometimes items are buried beneath rubble, so it is crucial to take enough time and care to sort through the debris and find the items of value that are hidden. Rushing this stage of the process can cause irreparable damage.
Careful and Secure Storage:
Make sure that all of your valuables are stored appropriately. Items that need to be in a controlled environment should either remain on-site in an unaffected area or be moved off site to secured storage. Any items that are dirty or damaged can be separated at this time for cleaning and re-storage.
Communication with Adjustors:
Your insurance adjustor is the communication and pricing liaison for your insurance company. Their job is to assess the damage and provide the necessary funding to complete the construction and restoration work. Your adjustor will provide an estimate of the work for you and your contractor to evaluate. Your contractor’s job is to make sure that all areas of work are covered. They will also reconcile any costs that are not adequate to complete the work. If necessary, They can acquire multiple bids to substantiate their prices. The end result should be an accurate project scope of damages and enough cost to complete the work required to restore your home.
Architectural and Engineering Review:
Your local municipality along with your insurance company will evaluate the need for architectural and engineering drawings. Most municipalities will require complete architectural drawings if more than 50 percent of your home is damaged. Many projects will also require engineering if the structure of your home has been damaged. If there is any doubt, it is best to have your home reviewed by a professional so that the restored structure is stable and secure.
Timely Routing of Permits:
Once the architect and engineer have completed their work, your contractor will need to submit the finished drawings to your local municipality for permits. This process can take as little as a few days and as much as a few weeks. The process is
usually simple as long as the home is being restored to its original design. However, if changes are being made to the structure, the review process can take longer. It is important to be clear with your contractor and understand the effect that any changes will have to the project before proceeding.
Building Code Upgrades:
Many times during the permit process, your local municipality will require upgrades to the rebuilt home. Building codes are constantly upgraded especially in regard to safety items. The rebuilt home will have to comply with the updated codes, and these should be noted on the drawings that the architect and engineer produce. Some insurance policies do not allow for this added cost and it will be up to you to pay that cost. Many policies allow for the cost of the upgrades. Your contractor will need to determine this issue with the insurance adjustor.
Quality Home Reconstruction:
The rebuilding process should flow smoothly if all of the previous procedures have been followed. Make sure that the quality of the items being installed in your home match what you had previously. If there has been smoke damage, make sure that proper procedures are followed to clean and seal any re-used materials that were affected. Make sure that all damaged materials have been removed. Do not let a contractor substitute inferior workmanship or materials. If you have any questions about these items, make sure and ask for specifications or details to validate the selection. Make sure that your home is constructed using sound building practices and that you are satisfied with the finishes in all areas. Get a second opinion if you are not satisfied with answers that you receive.
Occupancy requires several synchronized steps. At 90% completion, your contractor will notify the insurance adjustor that the project is nearing completion. This is necessary so that the insurance company can release the final 25 percent of the funding. Once the insurance company is satisfied, any final items for construction must be completed. The final project can then be inspected by your local municipality and application for occupancy can be completed. If there are miscellaneous items still to complete, your municipality can give a temporary occupancy permit. This allows you to move into the house and allows your contractor additional time to finish the undone items. The most common unfinished items are the yard and landscaping work. Sometimes weather will prohibit the installation of the exterior yard work and this will need to be accomplished at a more suitable time. Most municipalities will allow up to 90 days for the temporary occupancy before the owner must complete the undone items.
MasterCraft Design & Build is a contractor familiar with the insurance process and will be able to make the demolition and rebuilding process go smoothly. We have the ability to negotiate on your behalf and should be able to get you the best final product for your insurance dollar. Be sure that the contractor you use has the experience necessary to negotiate through and complete your project.
Some of our Restoration Work: