Whether you’ve had a disaster strike your home or business, or you just want to do some upgrades, you need a company you can count on. With many years of experience servicing Sacramento and surrounding areas, the trusted team at Mid-State Builders will help you through it so you can get things back to normal as quickly as possible.
What to Expect in an Emergency
Please read this What To Do After a Loss guide right away to secure your property and valuables.
Protecting your property at the onset of a disaster will pay big dividends when the time comes to rebuild. Our Emergency Response Team is on call 24/7 to provide critical services to both residential and commercial property owners. From basic board-up, security fencing, or weatherization, to more complex procedures, such as structure stabilization, partial building isolation, or handling of contaminated building materials, we get the job done.
For decades we’ve helped property owners, insurance companies, law enforcement agencies, and fire districts with qualified and comprehensive emergency response services.
One of the most important but often overlooked aspects of the reconstruction process is the need to accurately assess the damage. We will carefully and thoroughly define the scope and cost of your reconstruction project. This accurate assessment gives you reassurance, helps your insurance company process your claim, and gives us the template to rebuild your property.
We believe the damage appraisal process starts with the property owner. After all, who knows the property better? Through a preliminary site inspection with you, we can gather information that may otherwise be overlooked, and enables us to communicate better with the insurance company. It also helps you to understand what to expect during the estimating, claims and reconstruction process.
It is not uncommon for insurance carriers (and some contractors, for that matter) to be satisfied with overly general construction specifications. Repair items left “open” (for definition later), or necessary construction details completely omitted are common practice. We have a different approach. We take the time to make sure our loss evaluation is right from the start and our customer understands our scope of repairs. We’ll submit our scope and cost to your insurance carrier in a format that enables them to settle your claim quickly (Xactimate). And we’ll invest the time and energy to verify our specifications and your claim with your insurance company.
Your Insurance Claim
Navigating the choppy waters of a property loss claim can range from very difficult to seemingly impossible. We’re here to help. From the initial emergency services through job completion documentation we will work directly with your carrier every step of the way. We’ll:
- contact and meet with your adjuster to establish all construction criteria
- organize, submit and secure approvals for all aspects of you property claim
- submit any code compliance or code upgrades required
- submit any supplemental repair change orders for hidden or unforeseen damage to your carrier
Working with the Mortgage Holder
When a mortgage is held by a bank or lending institution, funds for reconstruction are typically held and released by the mortgage holder. The lender will generally require insurance claims data, scheduled inspections, construction stage payments, lien releases, and percentages of completion documentation. We’re accustomed to these procedures, and we’ll be happy to coordinate the mortgage company’s demands on your behalf.
As a licensed general contractor with over 40 years of construction experience, Mid-State Builders will handle all of your construction needs. With an emphasis on disaster reconstruction, we’ve developed all the skills necessary to meet the challenges of this unique and specialized industry. We combine the most advanced industry technology with common sense construction practices. We’ve completed countless reconstruction/restoration projects and have scores of satisfied clients. We pride ourselves in our uncompromised work product, integrity, and service.
Often our customer wants us to restore their damaged home or business to its pre-loss condition. We’re experts at matching the building’s existing materials, finishes, and colors. After all, restoring to pre-loss condition (without compromise) is the basis for all property claims.
However, you might want to take this opportunity to make some changes. We can help with that as well. We have a long history of helping our customers get the most from their insurance allowances so you’ll have a home or business you can be proud of. Plus, upon completion of repairs, we’ll provide you with a written, three-year workmanship warranty.