About Us

Loss Consultant-Contractor

By providing both loss consulting and loss repair services due to storm, hurricane, fire, water, and or tree damage, or emergency roof repair, F&M Services Group Inc., in Nags Head, North Carolina, can offer comprehensive solutions to clients experiencing property damage or other losses. This integrated approach allows for seamless management of the entire claims process, from initial assessment to final repairs, ensuring efficiency and consistency.

By combining these services, F&M Services Group Inc. can streamline the recovery process for clients, reduce the time and stress involved in dealing with separate entities, and ensure high-quality outcomes from assessment to restoration.

What We Do and The Process Of Restoration Estimations

The Initial Assessment Phase

In the initial assessment phase, adjusters often don’t physically inspect the damage. Instead, they task us, the restoration estimators, to evaluate the extent of the damage. I have been an adjuster for 19 years, and in such cases, we become the assigned restoration firm for the carrier.

Our role involves handling the initial visit on behalf of the carrier. We connect with the desk adjuster, conduct an initial onsite assessment (if we are the first on the scene), and secure the necessary approvals to proceed with mitigating further damage. Subsequently, we generate the estimate for the carrier.

It’s crucial to note that the cause of loss is not covered by the insurance. Determining the cause of loss involves identifying what broke or triggered the larger issue. Once the cause of loss is established, the homeowner is responsible for covering the associated costs out of pocket. This expense is separate from the deductible.

Payment Responsibility

After the inspection, your insurance company will provide an estimate for repair costs. Often, this estimate is prepared by the assigned contractor (us). We share the estimate and photos with the carrier for their review and approval based on the visible damage today. However, some damages remain hidden. This is where our expertise in insurance restoration proves invaluable.

If hidden damage is discovered

We follow a specific process to inform the carrier. Our firm often advocates for coverage of hidden damage, even if it wasn’t initially visible during the inspection and estimate phase.

The payment process varies, but typically the insurance company issues a check to you and your mortgage company. If you own your home outright, the check will be in your name only.

Choosing our firm means we take on the responsibility of obtaining the necessary endorsements from your mortgage company. We guide you through endorsing the check and working with our bank to clear mortgage endorsements promptly. This ensures your restoration can commence upon receipt of the insurance check, avoiding delays associated with the mortgage endorsement process.
In cases where we are assigned the loss, no additional estimates are needed, and we complete the work efficiently.

Navigating the Insurance Claims Process for House Damage in North Carolina: A Comprehensive Guide

Introduction:

Dealing with damage to your home can be a stressful experience, but having a clear understanding of the insurance claims process in North Carolina can make the situation more manageable. This article will guide you through the essential steps, responsibilities, and considerations when filing an insurance claim for house damage in the state of North Carolina.

Immediate Action:

The first step after discovering damage to your home is to contact your insurance company promptly. It’s crucial to report the incident as soon as possible to ensure a swift response and evaluation of the damages. Most insurance policies have a time limit for filing claims, so acting promptly is in your best interest.

Initial Assessment and Inspection:

Once you’ve filed a claim, an insurance adjuster will be assigned to assess the damage. They will schedule a visit to your property to inspect the extent of the loss. It’s essential to be present during this inspection to provide any necessary information and ensure all damages are documented accurately.

Deductibles and Coverage:

Understanding your insurance policy is key during this process. Your policy will outline the deductible amount you are responsible for paying before the insurance coverage kicks in. In North Carolina, homeowners typically have the option to choose their deductible amount when purchasing a policy. Make sure you know your deductible and have that amount set aside for when repairs are initiated.

Responsibility for Payment:

After the inspection, your insurance company will provide an estimate for the cost of repairs. The payment process can vary, but generally, the insurance company will issue a check made out to you and your mortgage company. If you own your home outright, the check will be solely in your name. It’s crucial to communicate with your mortgage company to understand their specific requirements for endorsing the check.

Choosing a Repair Company:

You have the freedom to choose a repair company near you in North Carolina to fix the damages. It’s advisable to obtain multiple estimates from reputable contractors and share them with your insurance company. Once you’ve selected a repair company, ensure they provide a detailed written estimate that aligns with the insurance adjuster’s assessment. The repair company should be licensed and insured in the state they work in, and you should communicate directly with your insurance company about the chosen contractor.

Supplemental Claims:

In some cases, the initial insurance estimate might not cover all the repair costs. If additional damages are discovered during the repair process, you can file a supplemental claim with your insurance company. Keep all receipts and documentation related to the repairs, and notify your insurance company promptly if you need to file a supplemental claim.

Conclusion:

Navigating the insurance claims process for house damage in North Carolina involves clear communication, prompt action, and a thorough understanding of your insurance policy. By following the steps outlined in this guide, you can streamline the process and ensure that your home is restored to its pre-damage condition with minimal hassle. Remember to stay proactive, keep detailed records, and seek guidance from your insurance company whenever necessary.

Restoration Defined

Restoration:

• Definition: Restoration is the process of returning a damaged property to its pre-loss condition through repairs and reconstruction.
• Examples:
  • Water Damage Restoration:
    • Replacing damaged drywall, flooring, or insulation.
    • Repairing or replacing water-damaged electrical systems.
    • Repainting and finishing surfaces to match the original appearance.
  • Fire Damage Restoration:
    • Rebuilding structural elements damaged by fire.
    • Cleaning and restoring personal belongings affected by smoke and soot.
    • Restoring HVAC systems and ductwork affected by smoke and fire residues.