FAQs
More FAQs- What does pre-loss condition mean?
- The wood floors are wet and buckling. Will they have to be replaced?
- What is a code or by-law upgrade?
There may be some damage to your home and property that existed prior to your loss. Therefore, these damages will not be included in the scope of repairs. We are responsible for returning your home to how it was before the damage occurred, in other words, to its pre-loss condition, using materials of like-kind and quality. At your request, we will provide you with an estimate for any additional construction projects you may wish undertaken by our team. This additional work is termed, “non-insured work.”
Wood flooring in your commercial property that has been damaged by water must be continually evaluated by qualified technicians during the drying process. We use professional-grade drying systems and dehumidifiers to create the ideal environment for wood floors to dry efficiently, and optimally to resume their original shape. Depending on the density of hardwood flooring and the type of finishes used, complete drying may take up to three weeks or longer. If you file a claim, your insurance adjuster will work with you to make the final decision as to whether the floors in your property will need to be refinished or replaced.
A code or by-law upgrade is an upgrade that is made when your commercial property’s pre-loss condition no longer meets legal building codes. Your insurance company may recognize code upgrades in the estimation process. Any questions regarding code upgrades should be directed to your Insurance Adjuster.