Most of us have a mortgage. If the insurance check is over a certain amount, the carriers are required to put the mortgage company on the check. This is non negotiable. Many times the mortgage company is local and you can go down and get them to endorse the check. Other times, the company is out of town. Ask them to endorse and send back. If you endorse it they could take the check and not give it back. Put it towards your mortgage or something to that effect. Some mortgage companies you have no choice to endorse it because they will issue draws and do an inspection at the end to release the money. This is much more work for you and harder on the contractor. Once you receive your check back put it in your bank and then let your project manager know that you did that. We can now start the work!
We accept check and credit card (for deductible only). Checks are always made out to Performance Construction. Do not make them to anyone personally. We do allow checks to be endorsed from the insurance carrier. If it is over 10k we will need a copy of your drivers license as well and then we can cash them generally. Again, make sure you Put “Pay to the order of Performance Construction” on the back of the check. Always give to your Project Manager or mail to Performance’s corporate office at:
2331 West Hampden Ave. #134
Englewood, CO 80110
If you intend on dropping by please call our office at 303-761-7663 to verify there will be someone there to greet you.
What should you do to get ready for work to commence? That could mean a variety of things depending on your home and what type of job we are completing. There are several things that we recommend. Take items off the walls, items off shelves, some lighting can vibrate loose, move items off decks or around the house. Turn off air conditioners as we will be covering them and they could overheat. Items in attics can get debris on them. Prep your attic accordingly. If your garage doesn’t have drywall in it, debris will get all over. Debris falls through the cracks of plywood or deck planking. Older homes have deck planking and have more cracks, so plan on more debris then if you have plywood. So for garages and driveways, it is recommended that you move vehicles out of the garage. Pets handle work in a variety of different ways. It is always ideal to move them during this process, but if you can’t it would be best to keep them indoors and in a place that the workers are not working in. We do electricity, if you do not have a plug outside, please have an extension cord accessible for us. We will do a decent clean up everyday, however that isn’t our final clean. Please park on the streets just in case there is any items that where not found that night. Our project managers are required to inspect for a final clean and give you a thumbs up to get back on driveways and garages. We make every effort to clean up all nails and debris. There will always be a few strays. Generally there are over 10,000 nails that come off a standard roof. Percentages show that we will not get it perfectly but do a very adequate job. Please keep kids away from work site and indoors. There always is risk of falling debris. We love our kids and we know you love yours too. Let’s work together to keep them safe!
There is two ways that we do the inspection process. The first is if you want to see if there is any damage to your home during a storm. If there is we would help you schedule a meeting with your insurance carrier. If there isn’t, or if the damage is not something that the insurance company would consider, like deterioration, we would give you an estimate of cost to fix out of pocket or give you a clean bill of health. If we think the carrier may consider it, this doesn’t mean they will. Sometimes it’s good to get a second opinion on what you see. We will be there for the inspection to show what we saw and to see how they would interpret the damage. The carrier ultimately has the last decision as they are the ones paying the bill. We feel it is important to be on the same page as the carrier. Many contractors use the word “fight” or “argue” with your insurance company. “Fighting” or “arguing” we have found in any part of life gets you no where. We “work” with your carrier and hope to resolve your claim peacefully and amicably. We cannot and will not present your case if there isn’t anything there to present. This only gets you a claim on your record for no reason. When we say we want the best thing for you, we mean it.
The Second way things can happen is if you have the adjuster out before us, you should already have a decision back on what they have decided. Adjusters are generally very good at seeing the damage. What can happen is that they do not include items that your jurisdiction may require for code. They require us to send in paperwork proving it is necessary. This may be confusing to you as you may be expecting to move towards the scheduling the process, when much of the time you are still in the approval process. This process can take a while depending on the carriers backlog. Be patient. There are other times where the estimate may require a few extra line items to be able to complete the repairs. Again, we would need to get approval. This approval could mean us to get estimates from other contractors to show that others may feel the same way as well.