FAQs
More FAQs- What does pre-loss condition mean?
- Do I need to move out while you restore my home after a fire or smoke damage?
- What is a code or by-law upgrade?
There may be some damage to your commercial property and facility that existed prior to the loss. Therefore, these damages will not be included in the scope of repairs. We are responsible for returning your commercial property 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.”
Depending on the extent of the fire or smoke damage, this is ultimately your decision. Your insurance company may provide some guidance on this matter. Some things you may want to consider are safety concerns, odours, electricity, and disruption as a result of the equipment, work and noise that may be necessary to complete the restoration process in your home. If vacating your premises during the process, consider forwarding your mail to your temporary residence; stopping your newspaper and other deliveries; notifying your utility company, cable company, etc., of the temporary suspension of services during the restoration process.
A code or by-law upgrade is an upgrade that is made when your home’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.